There is the alternative of going with bankrup. to stop the pressure and continuing to pay off the debts, thus keeping your word.
Don't know your state laws, but I wouldn't sign anything to that effect, just tell your creditors that is your plan. Pay them as fast as you can while backing away from the payment load you are carrying now. Don't forget to add a little additional interst for your extra time :-)
Not the best remedy but a thought.
There is also the possibility of refinancing to a lower payment??? imagine you have thought of that by now.
Will be praying for wisdom! Sorry if that belongs in the prayer forum :-)
