Need Help, please help!!!

It sounds like you having a hardship. If you are over extended it sounds like you would be a very good candidate for debt settlement.

Debt settlement is a program for people like that don't qualify for debt management, can't continue paying minimum payments, can't borrow to pay off debts and don't want to file bankruptcy.

Simply explained, the settlement company will work with you to establish a savings program that will be used to pay off your debts over a period of two to three years. You will have one monthly payment " which is usually around half of what you were paying before " and the amount you will pay back is typically between 40% and 50% of the amount owed when you joined the program. Unfortunately there are a lot of crooked Debt Settlement Company's and I strongly suggest you consider you shop with several company's and look them all up on the BBB to make sure they have a excellent track record. I hope this helps point you in the right direction. Have a great day :D