Two of the cards (Fleet and MBNA) are my wife's accounts while the Citi account is in my name. We are both authorized users on all accounts and both have a card for each account.

My wife is working, but I still have not found a job.

I am very confused at this point because I read/receive so much info that is contray to other info I receive. While one person says sending out a Cease-comm letter is the first and most important thing, others say it will bring on an immediate lawsuit. It's nice that these boards are available as a resource for people like me, but figuring out what advice is good and what advice is bad is very difficult.

I really appreciate the time you have taken and will greatly appreicate any futher help you could offer.

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