Hi, rnicu --I'm so sorry to hear of your husband's illness, and your resulting difficulties. You can get a lot of help here on these forums, but first you need to move this post to "General Credit Issues." This forum (FICO® Forums Feedback) is generally used to ask about how these forums are set up, make suggestions, etc.
Click the "options" button at the top right of the text box, then click the "report abuse" option --this isn't abuse, of course, but you can type in a request to move the message, and it will catch a mod's attention, so that they can move it for you.
Also, you can remove your other post that you started. Click the options box again and choose "delete message". Sometimes it takes a while to get the hang of how things work here!
Good luck! I'll look for your post again after it moves. (BTW, it works better for your readers if you don't use all caps --thanks!

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* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007