debt!

It is not easy to give advice without knowing your situation. Since you live in US, there might be government grants and debt consolidation that you can find with a search on the net. There must be some bank or other advisor who knows what to do in this situation. I can hardly imagine that any bank would sue you just to find out that you cannot pay them anyway. Perhaps you could make a deal with your bank and get a lower monthly payment, that would be better than nothing for them and would help you to start thinking about building an income instead of losing your energy by thinking about debts. Is there anything you could sell, to get some cash? There are free sites on the Internet where you can try to sell stuff but you will need some marketing skills. Here is an easy way to earn a little: http://www.treasuretrooper.com/248642 - There are many other ways, you could check my profile and the websites there and see what you find.