[helpmeGod]

My husband and I have had a really rough year. My husband is self employed and has been having issues with his 50/50 partner. The business itself is only in its second year of operation. There are a lot of bills there so we essentially have no money coming in. We've exhausted all of our savings and are in serious trouble now. We've been able to stay current on the mortgage until now. We haven't been able to pay credit cards in months. We have both been looking for jobs but nothing has been coming our way. I have been a stay at home mom for the last 7 years, so it's been tough getting back into the work force. I guess what I really want to know is how should we address the creditors? Do they really work with you? We don't have any money right now to even make paltry payments! Please help me!