consolidating my credit card debt and wells fargo..

Contact WF's hardship department and explain your situation. Let them know what you can pay and when you can pay and see if they will lower your interest rate during this time of hardship. If you don't get the answer you're looking for at first, keep climbing the ladder until you find someone who will work with you. First and foremost though, keep the roof over your head and food on the table, gas in the car, etc.....then determine what you can pay and the frequency and stick to the agreement. Always keep a running dialogue with the OC, call them a couple times a month and keep them in the loop. They will be much more willing to work with you if you keep in contact.