I am a Realtor in CA. 2007 was not a good year I only closed one deal, everything else fell out of escrow. In the process I lost both of my houses to foreclosure. I am in a lot of debt, I am looking for another job, hoping to find something soon. My phone rings constantly, debt collectors are calling. I am depressed, and ashamed, I don't even answer anymore, I don't have the money to pay my minimum payment. One of my checking accts was overdrawn and has been closed. If I tell my creditors that I can only afford 10$ a month on each credit card, will they agree? What should I do? I have only been able to pay my car note barely. I AM SO DRAINED...

