<prompt> Human: So yeah... Own my house, owe 300k and its appraised at 425k. But I also have nearly 120k in CCunsecured debt. Id happily give up every luxury in my life as long as my kids can stay in this house. Anyway, trying to stay on point...I have a decent job, exceptional benefits and I do mean exceptional, but Ive screwed up my finances pretty badly with debt. Always did pretty well for myself, but I didnt manage things well. I had a great thing going and I fucked it up.I cant even figure out how to unravel all of this. I hope someone can point me in the right direction to sort this out. Looking at getting a consultation from a nearby company, but I cant tell if theyre legit or not - or if thats even the right path to go down.Any advice?Edit. Line by line: min paymentbalance CC1: 30010k CC2: 60020k Loan1: 23013k Loan2: 110026k Loan3: 80050kMortgage: 300k owed, recently appraised at 425k. Payment is 2700. Edit2: I should note this is a 15yr note 3.75.Other monthly expenses: 120 - landscaping my yard is huge, itd cost more to do it myself, seriously 300 - power bill 250 - cell internet 100 - car insurance 96 - misc, kids dance lessonsnetflixetcIncome: 2600biweeklyDont ask how Ive made it this far with this kind of debt... been juggling numbers for months and Im reaching critical mass.Savings? Um. If I pooled everything I had, maybe 12k. Though if I tried to turn it all into cash tomorrow itd probably be 2-3k less.Edit3: holy fuck how did I get here. o.OEdit4: turning in for the night. I will read every reply. Thanks to anyone who has advice.Assistant: Income: 5200 Expenses: 6400So first of all, how have you been running a 1200 cashflow deficit? Are you eating into savings? Speaking of eating, where is your food bill? Gas? Taxes? Clothing? Home repairs?What is Loan2 and why is the payment so high as a of the debt owed? Can you refinance this either through HELOC or personal loan?What are Loans 1,2, and 3? Cars? Sell them.Liquidate your savings as soon as possible without losing 20 of the value. Doesnt have to be tomorrow, could be a month from now.Get a second job. Are you married? Have your spouse get a job. If she needs to take care of the kids, make it part time nightsweekends.If you cant manage these, sell the house.Edit: One thing I just realized is that it looks like bankruptcy may be an option for you. Since youre in Florida, you will likely be able to keep your house due to the Homestead Exemption.Human: So first of all, how have you been running a 1200 cashflow deficit?Opening credit to pay others. Not a sustainable thing. Are you eating into savings? Speaking of eating, where is your food bill? Gas? Taxes? Clothing? Home repairs?Savings? Its running low.Eating? Were remarkably thrifty with groceries, but yeah. Gas? Taxes? Clothing? Home repairs?Will update. Nothing to report on taxes. Clothing... Ive lost 60 lbs and am still wearing my fat man clothes : Home repairs? The one thing Ive taken care of is this place. Do a lot of it myself with family help and vice versa. Get a second job. Are you married? Have your spouse get a job. If she needs to take care of the kids, make it part time nightsweekends.Married? YesAs for the rest... our situation is difficult. Special needs kid. It would be a more difficult burden on the family if my wife worked.Assistant: I think for the short term shell have to or you will have to. What is your vehicle situation?Human: What is your vehicle situation?Two cars. Nice family car would net 20-25k at carmax tomorrow. My beater for work and back 7k or so easy. Own them both, no payments.  <response>: Man, just selling that car will get rid of 26k loan, freeing up 1100 per month in payments... And reduce car insurance while we are at it.Do you have other stuff in your house that you DONT need and can sell? 