Hello everyone,
This is going to be a very long sob story. We're just one step away from bankruptcy and have massive debts (in our opinion) on three of our credit cards. Two of the cards have been personally negotiated by us but we're still not going to be able to cut it. My wife doesn't want to declare bankruptcy under any circumstances and I know that if something doesn't happen pretty soon we'll more than likely be living on the streets by the 1st of September, no kidding! Geeez, how does that work ...