As for the credit cards, I know you can work something out if you are going to close down the account and pay it all out. I pay every month and am not in any trouble. They keep sending me letters to increase my amount. I just want to pay down the amount to zero, not close the account. I don't think they would be interested in doing this as long as I still want to keep an active account.

I have to have a credit card for my job, travelling expenses etc. Without a credit card you can't do much these days. My company pays me but I have to put it on the card first, then invoice them.

So, I can pay off some of the debt if I go with the ex's deal, but I loose basically, in money that is.

Kate