Everyone's already chipped in with some awesome ideas. The CC thing stinks and from what I've been reading, they're the next to go after the banks. I also think their resistance to lowering your payments is their way to stay afloat when other credit sectors are going under.

Is there any way that you can do some consulting work to coincide with your home business? That way, you can do two jobs at once and not have to take on a second job after you're done working the first one.

I'd have your DH sign up with a temp agency for now. Any income is good income at this point. Look for the ways that you can break down to the bare necessities without jeopardizing your own business and without decreasing your quality of life. Make some changes in habits that will lower your costs.

I hope things get better.