I could really use some advice. Last year 2007 was a really bad year for me and my family. I lost my job after 12 years and we had some other things that happened that weren't very good and have caused us great financial grief. Our phone rings from 8AM to 9PM at night, we don't answer and usually throw away the mail, this is getting very stressful for me because I have some mental health issues as does my husband. We have credit card debt, a dishonored check that was $169.00 that has turned into a $300 bill, we cosigned on a loan for our son that he now can't afford.