Are there any assets you could sell off? With $40,000 in credit cards, I’m wondering if it’s possible to try and maybe sell some of the stuff that was purchased on them to at least get you some cash flow to start making the minimum down payments.
I would try going to a non-for profit debt counseling firm first. Most of them do not charge anything and I’ve heard great things about them.
My husband and I went to a financial class at our church which was wonderful. We started the year at $17,000 in debt and are down to about $5000. We have made great strides. We just reduced expenses and increased income and put together a strict budget.
I would just hate to have you to go somewhere that is going to charge you more money than you already owe.