I'm sorry I have taken so long to answer and I haven't had time to read others replies but I do know how you feel and this is the first time I'm airing this to the world,11 years ago we got married got a mortgage blah blah,first thing my mom said was get on ya feet before you have a baby,bam we moved in may 31st my dates calculated I conceived the next day anyway the life style we led which looking back was stupid we just couldn't afford not along with a mortgage and baby and my wage being halved through dropping hours to look after baby before long we was thousands in debt easiest thing to do was bury my head in the sand but stay up all night crying about it,fast forward many years in even worse trouble trying a debt plan that just wasn't working,I finally caved in and said I was telling my dad,my dad was so careful with money and I knew he would be disappointed in me that this was a big step that held me back for years,cut a long story short yes he went mad yes he paid off a 4 thousand loan for me which was lovely of him but didn't touch the tip of the ice berg,in the end we made the decision that the house was only bricks and mortar and as long as we had each other and our children we would get through it so once again my dad gave us another thousand pound for us to declare bankruptcy,the house we voluntarily gave them back the keys and our parents offered us a home at there house but we was lucky enough that the council came through and offered us a house as we was homeless.the moral of my story is I have been on the side of the fence you are on probably worse and 6 years on I'm here to tell the tale I'm not proud of getting in such a mess,I am nit allowed credit now or a credit card but would not want one anyway and we are far better off now than ever and best of all I can answer my phone without being scared it's a debt collector and open my post,as long as you have each other and faith you will get through this and look back crying like I'm doing now on how far you have come,money to me is not worth worrying over there is always a solution but at the time I thought it was the end of the world,big hugs to you and I'm here if you want a hug