Thank you for all your advice .... I was laid off due to companies merging... I used a large portion of my 401k to pay basic necessities and stay afloat....... I called the CC folks....did not get anywhere ...... The worst of all , being in my mid 30's , sounds very silly , but I was ripped by my father..... He went haywired.... To the point that he does not want me to come around to visit... I am a grown man........but I guess this was the cherry on top.... I don't know anyone well enough that has had this happen..... Needless to say , thanks for your good advice.....