trying to pay off debts

Hi,
In your situation - If your financial situation doesn't permit you to make the required monthly payments, then you can opt for debt settlement. You can explain your situation to your creditors and request to reduce the payoff amount so that you can get rid of your debts soon.

If you cannot your repay your debts yourself, you can opt for professional help, by enrolling in a debt settlement program. The settlement company will review your situation and if you qualify for the program, then you'll be able to get rid of your debts just by making a single payment every month.

However, be careful of selecting a reliable settlement company.

You can browse the following link for more information on debt settlement:
http://www.debtconsolidationcare.com/debt-settlement.html

Also hope you get well soon.

Please, Please, ignore Tiara above...she doesnt know what she is taking about.

Paying someone else to handle a debt settlement actually puts you FURTHER into debt. Do it yourself.... it is not that difficult and just takes a little research

IMHO you have a couple of options,.

Debt Management plan...seek out a registered non profit agency like Consumer Credit Counselling Service.

Request that your creditors put you into a hardship plan.