Suki, you should talk to the credit counseling agency or an attorney about bankruptcy options. With Chapter 13 you would keep your house and work out a plan to pay your debts back. Even with Chapter 7, you are more than entitled to repay any debts you choose, if you are worried about the ethics involved.

Of course increasing your income would help but first try to cut back on your expenses as much as possible, and throw as much money as you can at your high interest credit cards. Paying the minimum balance means you will never get out of debt.

Good luck!