I was unexpectedly laid off for 21 months and then got a job elsewhere, but was only part-time for 12 months. Finally, for the last 7 months, I now get 38.0 hours per week. I have gone through all of my savings and sold all the stock shares that I can sell. I have racked up a huge amount of credit card debt and this has snowballed. I do not have the income to support the minimum monthly payments. I have been looking for a second part-time job, but have not had any doors open in that area either. I have been advised by many to file bankruptcy and I do not want to do that. I am seeking assistance to get my monthly payments to where I can handle them and not go in the hole each month. I cannot continue beyond this month as I have been. I have some bills late now and if I can't find someone to help me, most of them will be late. I have contacted numerous debt management companies regarding debt consolidation, but the plans that they offer do not go beyond 60 months and the monthly payment is either barely less or even more than I am supposed to pay now. If I can't make one payment, then I will not be able to make 60 of them. I seek God about this all the time and I honestly do not know what I am to do. I don't know if He just wants me to wait or if He wants me to get an entirely different job or a second job or if He wants me to move. I will obey Him, but I need to know what I am to obey Him in. This is a very serious situation and I truly need a financial miracle.