Thank you's to everyone's ideas. Some I had considered and others I had not. I have made arrangements with one CC to have a set amount of money automatically drafted from my bank account, in return they will postpone all fees and interest rates for the year of this contract. The other CC didn't go for this but has at least quit calling 20+ times a day with the threatening messages (we don't answer our phone anymore). The amounts I will have to pay will put a huge stress on my monthly utilities (I will have to alternate which I pay for) but after 6 months of deliquencies on payments I don't have much choice. I will post info if anything improves (hopefully soon).

I appreciate the prayers, as they will be the only thing that gets me through this. I really beg for prayers for my wife who is really suffering under the stress of all this.

Thanks once again to everyone.

By His Grace Alone,
Five Sola