Don't know your income but if it's low and your that far in the shitter you may want to consider filing for bankruptcy. It's not as bad as having that kind of debt hanging over your head. My ex-wife ran our credit cards up over $83,000 without my knowledge, found that out at the divorce!

I was able to keep my car, Harley, household goods.......didn't really have to part with any of my toys.....except for the ex.

Have a good one!:jointsmile: