I'm so ashamed at myself. I have myself buried in credit card debt, to the tune of $35K. I had considered settlement, but because they make you default on your payments for months before they start the process~ scares the hell out of me to default because I can't have creditors contacting my hubby at work (he will lose his job). They can call me, I own my business. The number listed for employment is my hubbys of course, and I'll be in big trouble. Also, I don't like the idea of our credit score taking a plunge...although it's at the worst it has ever been because of the income to debt ratio.