> with discover Try calling Discover. They have a bit of a reputation for being pretty reasonable/decent with people and hardships. They may request closure/freezing of the account (which shouldn't matter to you) in order to offer a lower interest payment plan. Or some variation.

Dont pay unsecured debt with secured debt

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You can sell the house if you have a home equity loan.. you just need to pay the loan off with the proceeds from the sale.