You can still file a bankruptcy petition before wednesday and get the benefit of the 'automatic stay' (which stops all actions against you). Then you can arrange to repay the arrearages thru a plan (if you file a chapter 13 petition - kits are available at office depot, etc.) over a period of 3 to 5 years.

To file a chapter 13, you do need to have some kind of income stream, but it can be social security or whatever.

I sent a pm to you about this a while back; this is generic info., (not mean't to be legal advice), since I don't really know your specific financial circumstances.

Keeping you in my thoughts!

<font color=blue>HI FROM PEANUT</font color=blue>