Thanks for replying girls.

Breeze- unfortunately we already do the homebrand stuff so no more savings there lol. We're going bankrupt in July but even so it's still going to be tough to pay what we have left. I know its a big decision but we've seen financial advisors and they've agreed its the best thing for us to do at this point.

I guess I just think that people might be able to handle things better if there was more communication going on, not just between husbands and wives but between neighbours and friends, stuff like that. It's alot easier to cope if you don't feel like the only person alive with your problem!