I called the credit counselor referral that my college/realtor friend had told us about on Saturday. We have an appointment with him to discuss debt relief and credit counseling. We owe a lot on our credit cards. Over $50,000. I really don’t want to file bankruptcy, and I’d rather pay off our credit cards. We charged the money, we owe it. That’s how I feel. Even debt relief means that we pay back less than we owe, but at least it’s not as bad a hit to our credit as bankruptcy. Dang, just a year ago we were getting lots of offers for new credit and credit cards, now we probably wouldn’t even qualify for any credit card.