It is horrible and I feel like everything I do is never good enough! If I did not have a child and another on the way I would have nothing! They are the reason I need help.. I made mistakes and tried to pay to get out but the debt is too large I have lost everything and I still have more fees and more bill collectors. I am very happy that I have my son and girl on the way so I have two reasons to never give up on living and loving. I do not have money for bankruptcy either.. so I just wanted to see what I should do.