Do you have debt coming at you from all sides?  You seem to be able to pay but you keep finding yourself getting behind to one creditor or another.  One option is a Chapter 13 Bankruptcy which allows you to make one payment to the Court at a very low interest rate in an amount you can afford and gets you out of debt in 3-5 years, without having the effect on your credit report of a Chapter 7 or periodic arrearages.  It also allows you to catch up on your mortgage if the bank won’t work with you.  If you live in Groton, Norwich, Ledyard, Waterford, Stonington or anywhere else in New London County, try giving Attorney Mark O. Grater a call at 860-449-8059 and explore your options.