Thank you for your speedy reply. Where should I start to rectify my situation? Who should I talk to first? My credit score is 702 and my husband's is 697. I really do not want to have to declare bankruptsy if at all possible, but it sounds like that is what your advice would be to do. Does that mean we would not be able to qualify to buy a house with the bankruptsy on our record?
What would happen if I just did not make payments on 2 of my cards and put that money towards other cards to pay them off. When they are caught up, work on the delinquit cards....would that damage my credit the same as bankruptsy?
