I don't have the money and do not own anything. I live for free in a efficiency my parents built. I am making payments to about five other credit cards that are delequent or with law firms. My husband is ill with a progressive condition and his medications and doctor expenses tend to make us have to borrow from family to make ends meet. My parents already help with food and bills at times. I am trying to make my debts right but I can't do it all and some of the debtors are not willing to take my offer of approximately $100 a month and they may sue us as well. Prior to last fall my husband was in charge of the bills and he quite frankly got us into trouble and I was ignorant and had my head in the sand. I'm not trying to pass the blaim but I need help please. Thank you.