Congrats on the twins! I assume you had these babies by c-section? I also have had 2 cesareans and have that nasty little belly fat under and above the scar. The good news is that even if you did do crunches, it would only tone the muscle underneath the fat. When you lose weight, you lose it all over and can't really target a particular area, but exercising that area can make you look a little more toned if you really work on it.

I have severe back problems, so I'm not able to work the abs much either. My suggestion is just to practice sucking in your stomach muscles as well as you can. You can do this standing, sitting, or lying down. Pull them in and out and relax. It might take a little while for you to get the hang of it, but it will tone those muscles down there, and bone movement isn't necessary.

The only other thing that you can do is diet. I don't know if you are breastfeeding, but you would want to wait until after you've finished with that if you are. Remember it took you 9 months to put on those lbs, and you had twins too, so it will take you 9 months and more because of the twins to lose the pregnancy weight.

I hope all that helps.