Have you thought about meeting with a debt counsellor. That may not be the right title but I know there are people who will sit down with you, look at what you make and what you owe and help you come up with a solid plan on how to get back in control of things. They can also sometimes get some of your debt forgiven. That’s the case in Canada anyway.
You have to be careful of things like this assuming you are talking about a "consumer proposal". It can be a way to get yourself out of an immediate crisis without bankruptcy but it kills your credit rating for an extended period of time - up to 6 years according to what I just looked up.
Ginger - sorry you are having a tough time of things on all sorts of levels. Hope you have a great time at that wedding. ((Ginger1))
On BD H52, W50 T27, M26 S21, D23 BD-9-Mar-16 D-15-Jan-18 Final-19-Apr-18 I am a storyteller. The story may do you no good. But a story is never for the listener. It is always for the one who tells