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Boyfriend and I bought the house together, 4 years ago, had some improvements done (Lowes card, Chase card etc.) then I got sick and have to have some surgery that insurance wouldn't entirely cover (lines of credit) air conditioner died (another line of credit)....All things at the time were necessary evils or just had to be done. Boyfriend lost his job and split in March, dumping everything on me-which is a HUGE mortgage and all the aforementioned debts and of course regular life stuff (groceries, electric, gas & etc). I have had to take in roommates just to make the mortgage, which is by the skin of my teeth every month. I have been paying my credit card companies anywhere from $1.00 to $5.00 a month (Yes I know that is pathetic)...I probably have $30K in debt, but I will pay my mortgage before I pay anything else......I am not looking for a way to "get over" and not pay the credit cards and etc....I had a hand in making those bills and I will eventually pay them, and pay them all. No, I cannot file bankruptcy due to the kind of work I do, so I must get through this.......My question is this: Can the credit card compainies still sue me even if I still send in something each month? When things improve I will pay them off, even if it takes me the next several years.....I have tried to call and tell them this, but they want to put me on a payment plan that works for them, not me......I would rather have them mad at me then lose my home and live in my car....but I don't want to be sued either....My phone rings 25+ times a day from collection agencies and credit companies.....I am so stressed out and afraid......I have been told as long as I send atleast $1.00 a month and never miss a month, they can't go after me....Is this true? Any advice would be greatly appreciated. Thank you.