What keeps me up at night ishow I am three months behind on my credit card bills and have no way of making payments. That I got myself into this and can’t get myself out. Is this karma? Is this a test from above? Is there any way I will ever be out of this mess? I can’t get a loan to consolidate because my credit score is so bad. I have no assets to turn to. No life insurance to cash in. No 401k to borrow against. I owe $28,000 and make $15,000 a year. Will they come after that and leave me with even less?