I am 40 disabled and my husband is unemployed receiving unemployment benefits, he was laid off because of the housing downturn. Well as a result of him losing his job we got very behind on credit card payments, we are struggling to pay the rest that are up to date but can't even buy groceries or anything else for that matter, my mother has helped with groceries but I feel like a total loser having my 70 year old mother having to help us survive. I had to completely stop paying 4 of my cards. My husband and I filed for a Chapter 7 in 2005 which of course won't be dismissed for several more years. And yes I've finally learned my lesson with credit cards and so has he. We can't pay an attorney, and we can hardly pay any monthly bills I don't know how in the world we could pay a repayment plan on a Chapter 13 bankrupty, are thier any alternatives that know of.