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Thank you for that answer and I have no accounts that directly tie me to the financial institution so that is at least an advantage. My next question is this, I had good credit, it is slipping because of recent inquiries, but my debt to income ratio is hurting me, so consolidation loans, unsecured loans, are all out of the question. Credit Counseling is not an option because that really only helps people that have high interest rates and lowering that inevitably cuts their payments, that's not my case. I recently refinanced my house, in an effort to free up money a month, and it did, lower interest rate, only to have my mortgage increase higher( a few months later) than before my refi because of my mortgage companies error with my escrow account!!!!! My financial situation has changed drastically but I am still able to afford my house(even though the increase in monthly payments and term) make me sick, my house and my bills associated with it. It is all credit card debt that is putting me behind the 8 ball. Any suggestions????!!!!