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We recently went through personal bankruptcy 6 months ago - it's a big blow but at the same time, it's a relief. I don't recommend not saying anything and stoppping the payments - that's really bad for you credit rating. Be honest with your bank and tell them you're struggling - that if they don't work with you, they'll get nothing, as 50guy said. Have you consolidated all your credit cards?
I have saved at least half my grocery bill by shopping at lower end discount stores. The quality is even better and I'll never go back to the higher priced stores, even if I win the lottery. Saving has become a hobby for me now lol. I stock up when things are on sale. I realize for men it's a big blow to suffer financially, but it's okay. What really matters is your health. As long as you have that, you can keep chugging along. If your debt is huge you might want to consider bankruptcy. You're not the only one suffering - I heard on the news today, there are millions of people risking foreclosure right now. Good luck and don't feel discouraged.
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 This is our little cutie Bella 
*Practice on-line safety.
*Cheaters - collecting jar of hearts.
*Make your mess, your message.
*"Be the change you want to see" (Gandhi)
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