I am a 37 year old college administrator with a good job but bad luck. I was divorced four years ago and retained a lot of debt since my ex-wife had filed bankruptcy prior to us getting married in 1992. Also my mothers house literally caved in and I helped her to purchase a house which cost thousnds up front. Just to keep up with all of this debt, I have accumulated and incurred $47,000 in credit card debt. I also have $70,000 agsinst my house and another 25,000 in unsecured loans. I now make a 100K a year, but the interest rates are so hich on the unsecured bills, I can't keep up.