What are the odds of negotiation my debts – detail included?

Hello,

Without distribution censure for a past, here is where my associate as well as we hit been at, as well as here is a situation.

Current Credit Score 710 -Trans Union

In Dec 2006 We enrolled in Credit Card Counseling:
December 2006 Credit Card Debt = ,257
Current Credit Card Debt = ,318
PMT = cardinal per month
Average Interest Rate = 9%

Mortgage = 9,483.56
interest= 7.55%
PMT =22 but Escrow 57 with Escrow
Value = Estimated during 0 in this market.

Situation

Contract during work changed = Various decreases over 2009 flourishing to a disastrous 00 per period channel by year end.

Unplanned third kid incoming in Jul = 0 estimated monthly price increase.

Second Job performed = 7 per period increase

Total Net income monthly necessity by year modify = ,173.

We hit approached both a Credit Card Counseling Company as well as a Mortgage Company as well as supposing them all of a details, taxation returns, w2’s ect. we hit supposing them support of a sum of my forecast.

What do we study we ability be effectuation to negotiate with a House as well as a Credit Card companies. We hit never longed for possibly payment. We hit been alright during a moment, exclusive saving income fresh for a summer as well as fall. Our idea is to be in a on all sides to sojourn current, keep a act as well as compensate downbound a debts.
Judy, we did not answer a question?