I am in real dire straights with my finances now. The past four years, I was very, very sick and my mother and stepfather took my credit cards and charged the hell out of them. They kept saying they would pay them, and for awhile they gave only half payments, I had to come up with the rest. Then, my stepfather died, and no one could help me pay them. So I am toasted. I have no way of paying these debts. And I am so poor that I have had to apply for foodstamps. I literally cannot afford to buy food if I pay even one card. Has anyone filed under the new laws yet? That's what has me so scared. I'm just panicing. I am below poverty level and only on Social Security. I own nothing, not even a car. I'm hoping that means I don't have to pay anything back, even under the new laws. The whole thing is very scary to me. And I even have to pay out seeing a lawyer, which I cannot afford, but will do. I haven't seen a lawyer yet, I'll be going in January. How bad are these new laws?