Ok. Thanks a million guys! After a week of 15% daily changes, we have a happy tank.

Thanks .Plecomania., Kif & Jools for the advice! We've been doing 15% every other week or so... every day or more every week seems sound. We'll try it and keep you posted.

Yes, I have a filter. The tetra internal that came with the tank kit. & yes we've had losses... 2 panda cats and 2 glass cats.

http://farm6.staticflickr.com/5543/11437861686_d610dc8dd1.jpg
Aqua Culture Aquarium Starter Kit.
current pH 7.6
temp 74f
Water set for 2 weeks before adding fish.
Survivors: 2 mollys (black and dalmatian), Talking, Bumblebee, Lace and BullsEye catfish.
After 2 months, the water remains murky and ...