I am married and my spouse has not worked in 7 years. I make approximately $85,000.00 per year, however, my debt to income ratio is approximately 140%. This caused me to use credit cards to survive over the past few years and now I am not able to make the payments. My credit cards are now up to their limits and I can afford to pay only my mortgage, insurances, utilities, etc. I've just stopped paying my credit cards. What can I do at this point?