I guess you could say after two years of being confined at home most of the time caring for Mom could result in a form of depression. Trying to console myself and having had excellent credit has made me "overshop" to console myself. I applied at the bank for a home equity loan to consolidate all my cards into one payment, but it was denied because you practically needed to have as much in the bank as you were asking for a loan! I need to get a job and go to work, but that is impossible. We have my husband's income, which is "iffy" with the coal mines shutting down everywhere. I am supposed to start working for an agency that takes care of the elderly and have went for CPR, first aid and fingerprinting, but the hiring is on "freeze" right and probably will be until after the election. The lady at the bank suggested Cambridge Credit Counseling as being one of the only safe ones to deal with. My husband is going to be very disappointed in me for the mistake I have made. I have prayed so hard for the good Lord to help me find a way to get this debt taken care of and in no way filing for bankruptcy. Dealing with what I do, day in and day out 24/7 and this debt hanging over my head is just about to do me in. I am a very strong person, but can only handle so much and my stress level is totally out of hand! Advice and prayers will greatly be appreciated. Thanks so much!!