Hi harleychic....Wow I'm so sorry about all you've been going through, wish I could help. Regarding your credit situation, by any chance have you spoken to anyone at a non-profit "debt relief" company? To be honest I'm not sure if you need to be employed for them to help you, but I know it's something I've been thinking of for a while, as I have no real income (health reasons), am not eligible for any aid, and have a large amount of credit card debt. I hope some kind of break comes your way soon. Warm wishes.....