hi,
SITUATION SOUNDS HORRIBLE, YOUR CREDITORS SHOULD UNDERSTAND YOUR PROBLEM, BUT I AM LEARNING, THEY DONT CARE, TRY AND SPEAK TO SOMEONE IN AUTHORITY, HAVE PROOF OF WHATS GOING ON, A LAWYER WILL CONSULT WITH YOU FOR FREE, BK IS AN OPTION, IT SOUNDS LIKE YOU JUST NEED A LITTLE TIME, BE HUMAN...