Debi, sounds like the people you work with are very supportive, it is a shame that the people you work for are not!!! Shannon is right, you do not need to worry about paying your bills at a time like this. She is alo correct that if it ever comes a time where you feel you cannot make payments to your creditors you need to contact them. I am a mortgage underwriter and have seen this numerous times. The only other thing I would sugest is try not to use one of these consumer credit agencies, again I have seen it numerous times where the borrower makes the payments to the agency and the agency does not make payments to the creditors in a timely manner and it hurts the borrower more. I would file bankruptcy before I would use one of these but contacting your creditors is the first step--enough of that. Good luck with the surgery, you are going to a highly rated place to get it done and we are all here for you. I will say an extra prayer for you. Hang in there and keep us all posted.
David C.