Heavy Card Debt Consolidation Lincoln NE

I have not paid down my card debt for two months and now have collectors calling me. I owe $640,000 in mortgages and my house is appraised at $529,000. I was told by my lender that I don't qualify for any mortgage loan modification programs. What should I do?

Skrupa Law Office LLC
(402) 464-3311
144 N 44th St Ste E
Lincoln, NE
 
Pollak & Hicks PC
(402) 486-9913
123 S 84th St Ste H
Lincoln, NE
 
Credit Advisors
(402) 475-1234
1000 Q St
Lincoln, NE
 
Wolfe Snowden Hurd Luers And Ahl LLP
(402) 474-1507
1248 O Ste 800
Lincoln, NE
 
Dahlin Dale D PC LLO
(402) 423-4300
6201 S 58th St Ste C
Lincoln, NE
 
Consumer Credit Counseling
(402) 484-7200
1001 S 70th St
Lincoln, NE
 
Turco Sam Law Offices
(402) 477-0707
5000 Central Park Dr Suite 204
Lincoln, NE
 
Hernandez Frantz, Von Loh
(402) 434-7188
601 Calvert St., Suite A
Lincoln, NE
 
DeLair & DeLair
(402) 483-6556
1500 S. 70th, Ste 102
Lincoln, NE
 
Hernandez Frantz, Von Loh
(402) 434-7188
601 Calvert St., Suite A
Lincoln, NE