[Monica1]

Thanks for your post on my thread. Credit cards are not deemed a priority debt in the U.K. and I am sure in the US too. Explain your situation and tackle the priority debts. You can offer them a dollar a month and if you have priority debts they hve to accept it. All of my credit cards deferred action for six months because of my situation. They know that they cannot take priority over rent or mortgage, and all taxes, utilities. They know this so cannot force you to pay anything.