To sum it up, I have more or less 150,000 debts now including interests to my 5 CC and my monthly amortizations is 15,000 to these 5 CC. And the company where I worked before has closed already last dec2011.Can I declare to the banks the company closure? and My problem also is I just started to work again earning only 12k/month and I have children going to college and high school next sch.yr..So t