My repayment plans have stalled. I have been stuck for about a month. I spent the day calling my bill collectors. Due to my inability to pay, one more account slipped into collections. One account is in collections due to an error on Macy*s part. We are trying to resolve this now.

I am hoping I can make my long term goal of being debt free by December 31 of this year. Not the way I wanted to start of 2008, but all hope is not gone.