I am a married woman with a 17 year old son. My husband was injured on the job several years ago and was forced into retirement. We have had several illness's and medical conditions to deal with this year. We have tried everything to get caught up on our debts, but have been unable to. My wages are now being guarnished. I am losing over $400 per month. We went through credit counseling and found out that our debt are $600 dollars more a month than our income.