Bill Collectors

Well I used to be able to pay my bills on time. But I had gotten sick in 2003 with a rare kidney disease and 9 months later ended on dialysis and wasnt working as much. Money started getting tight, I needed food and heating oil, christmas for my daughter and medicines stuff like that and bills got ran up. I started getting back on track around July of 2005. Bills were back on track though I still owed a lot of money but at least bills were paid on time. Then I got the transplant and my wife got her hours severly cut so now I barely have enough money to pay my bills. I pay a couple of creditors but for the most part its mortgage, electric, car, car insurance. One of the debts just sent a letter that they might turn me over to a lawyer but I have explained to them that I don't have the money to pay them right now and when I do I will pay them. That isnt good enough for them and they get nasty. By the way its MBNA im sure you heard of them. Other companyies are starting to do this too but are not being as harsh. I also checked into a debt management program that MBNA referred called TakeChargeAmerica but they basically told me I don't make enough to pay off my debt...go figure, I think I realized that from the reason I called them in the first place. So basically my credit is shot now and I have no where to turn I wanted to avoid bankruptcy but it looks like the direction I may have to go just to get some relieve. I havent been able to sleep in months and everytime my phone rings im afraid its another bill collector. PLEASE HELP...