and have been reading the past messages of how some of you have paid off so much debt you all are inspiring! We have a huge amount of credit card debt and I was on the verge of either filing bankruptcy or going with a debt settlemnt plan (was actually going to do one of them this week). Now I am wondering if there is any chance we can get this paid off on our own? Right now we are 2-3 months behind on our credit cards and of course they are all over the limit with late fee and over the limit fees adding up fast. Do you think there is any hope for us even though we are already late? I am thinking of calling up the credit card compnaies at the end of this week and seeing if they can work out a payment plan with me.