yes i know how you are feeling for starters it is an awful situation to wake eat sleep and breathe money all for trying to be a good citezen and repay your debts.There is a family income supplement which i think you would be entitled to,for starters.people dont understand what debt issues can do to a person and the anxiety it can cause .People in ireland are very smug and this govt has done nothing to alleviate the situation I was in similar position but am fighting back.And so are lots of others.you have to think against all odds there is a long road with no turning.But what I have learned through all of this is dont isolate people from you ,you need them some will understand and others wont but maybe they have other issues .Health is no1and you need to protect this.Also no one knows this week or next week if they will miraculously inherit or win money its always a possibility.You must take small steps and deal with each case step by step.And keep going back to your lenders to negotiate with them.Deal with one thing at a time and each approach to a different lender is a small step in the right direction.This is a worldwide crisis not just yours and mine but you must stay focused and do lots of walking it does not cost anything and a great stress buster,there are lots of people in different countries suffering the same way,My family think I am obsessed with money but it is in fact obsessed with debt and how to elliminate it out of my life for good,So keep chin up and tell yourself you can do it and then you will feel better,when your husband sees this he will start to feel better so you will start to get the feel good factor ,then things start to lift and little by little small progress starts to be made.cheer up!