With me being unable to work and therefore our family losing almost 50% of our income we had to do something about our debt. Today we got the go ahead to do what is similar to a loan consolidation but it is done through the courts. At the end of 4 years we will be debt-free except for our mortgage. This is a huge relief as last Friday we were told we were not eligible. I had to go searching for paperwork but now everything is set up. I hate debt so I am hoping that this will take away some of my stress.