Charles is right yet once again. Have you looked into bankruptcy? It is a harsh road to take but it could be the fresh start that you are looking for. I dont know what your living situation is but if you dont own your home then it is easier to declare bankruptcy. It does stay on your record for 5 years here, but with your current credit and debt level, would it be much worse than defaulting on debt? Look into alternatives other than simply trying to pay it off and there may be other counselling options offered when you do. It is a long road that you must travel and you should get your feet on the road as soon as possible. No one can make this journey but you.
