"I am starting to get into rough times financially. My

mortgage is going up an extra 900 a month leaving my

mortgage to $3400 a month. My bills monthly with

everything food, gas, utilities, etc. total to almost

6800 a month. credit card bills are 800 a month. My

husband and my income total together is only 4500 a

month. We made bad decisions by refinancing alot in

the last two years and the closing cost, prepayment

penalty fees ate up alot of our equity. I paid off our

cards and unfortunately have run them up again to get

cash to pay bills and stuff. We will now just be

concentrating on paying our mortgage and some bills

and I have been trying to get an extra job with no

success. So my credit card bills will be behind in a

couple of months and unless a miracle happens, it will

be delinquent. I want to know what I should do. If I

should just pay what I can monthly or claim

bankruptcy? Total CC bills is 30,000. Please advice."