I have 4 payday loans and 6 credit cards in default. I have had a bankruptcy in the past. All I want to do is get out of debt, and be happy. I feel so guilty because I manage all the bills, and my husband is unaware that we have this trouble. It seems that I am always robbing Peter to pay Paul. I don't want the credit cards anymore, I just want to be able to pay my bills and start a savings account. It is so hard to make a living now a days, we are just two regular people with average jobs. I am a nurse, my husband a construction worker.