I have been reading this board for a couple of months on the recommendation of a friend. I have been hesitant to ask for help because my problem is embarassing for me. I read about so many folks here that are out of debt and my problem is the polar opposite. A couple of years ago my DH became very ill with a bowel obstuction. He is self empoyed. He was unable to work for 11 months. Needless to say this has caused us to spiral into a financial disaster. Please do not tell me what we should have done as the past is in the past and I need help today. We have ended up in $65,000 in credit card debt. I feel like I am drowning. He is back to work and finally in good health. We are both working 2 jobs and just able to make the minimum payments on the cards. We do not live outside our means. You can't believe how hard it is to catch up when you have been so far behind. The CC companies have raised all out interest rates. We are paying between 29.99% and 33.9% in interest. We just can't make a dent in this debt. We feel we have two options. One is refinance our home and consolidate the debt to lower the interest and make it more managable. This will free up $747 a month to go toward the principle on the mortgage. This is a scary move because our mortgage will be 95% of the value of our home. My second choice is bankruptcy, which I know nothing about. I tried a credit counseling service and they will not let us keep one credit card. My DH absolutely cannot run his business without a credit card. Our debt was maily from cash advances to survive while he was ill. we do not have a "problem" with spending money. I have the refinnace papers here to be signed and I am terrified. I really need some opinions.