My husnand lost his job of 17 years a month ago. Due to economic cutbacks! No advance notice just went to work one morning and was terminated. We are $30,000 in debt to credit cards. I am unable to work due to health issues...we are both 60 years old and as hard as he has tried to find a job it is not happening. We are getting $390. for unemployment and that barely pays our rent and utilities. We do not own a home, we really have nothing. I have no way now to pay my bills, so we are going to be forced into bankruptcy. I have contacted all our credit card companys, only 1 responded and said we are not a hardship case they cannot help us. I have no idea what chapter 7 or 13 are and what we should do. HELP PLEASE!