<prompt> Human: Hey guys,Im kind of at my wits end, and know I have made WAY too many mistakes with my finances and I need help. I am to the point of concidering Banko, or maybe a debt company to clean up my mess :Sorry this might be a kind of long post... first some history, newly marriedME, divorced, Ex who doesnt believe rules, court orders etc apply to her that I need to take back to court for the 3rd time :, ton of debt. 4 year long divorce equaling 25k in laywer bills, laid off for 4 months a little over a year ago had to live off credit quite a bit in that time, Ex loves to put me as responcible party on med bills for our kids and a few have entered collections when I try to get her to pay etc... , I make 92K a yearWife, much better with money, struggling to get new business off the ground, some student loan debt etc, She makes on average currently 10 to 12k a year but this is slowly growingOur total debt is: my debt1. mortgage 90K or so 780 payment2. 2nd mortgage 60K 400 payment the ex is court ordered to pay this off, and to make payments in the meantime and has been found in contempt for not doing this but hasnt made a payment in over a year, YES I need to take her back to court again3. various credit cards 11410 426 monthly4. 2 personal loans about 20,000500 monthlyWifes debt1. Student loans 20,000290 monthly2. 2 credit cards 14,500230 monthlyjoint debt1. 2 car loans just under 40,000 700 monthly2. credit cards 12290370Yes I know I could sell my car, or the wifes car and either try to ride share, take buss etc. My wife is a make up artist and works with a bunch of photographers and gets called last minute with work, and needs a car to get on site. We live in the northwestern suburbs and I work in the south eastern suburbs, 30 or so miles each way and minimum of a 45 minute to an hour drive... IF I could find busses to take it would be a 2 hour commute each way if not longer and none of my coworkers live close to me... so realisticly I need a car. Yes I can take my ex back to court, and I need to... this would free up 400 a month and that would be huge. So I need to do this. We are in the middle of a couple remodelingrepair projects the basement flooded and took out the floor and did sheetrock damage. And the built in oven died and we replaced it with a full sized range, this led to modifying cabinets, counter tops etc... I am doing 10037; of the work myself but we have easily put 15K into the project... BUT again the kitchen was a very dated 80s remodel and we want to sell this house in the next few years hopefully so the kitchen beeded a refresh! , so sellingthe house as is wouldnt even cover the 2 loans due to the needed work to finish the projects. My credit score, mainly due to the amount of debt, is down into the 500s, my wifes is in the mid 600s so we cant get a consolidation loan etc... We currently have 0 in savings, so anytime anything comes up, pet gets sick, car needs repairs, hose repairs etc we are stuck using credit, and it turn increasing out monthly bills... Iwe are now to the point of me, or both of us declaring Banko, OR maybe going through a Debt reduction agency, we know that both of these will distroy our credit not that mine can get much worse, and couldwill effect us movingout of this house in a few years as we want to do. BUT with struggling to pay bills each month, Im not sure what other options we have... We dont have any extra income currently to pay down even one credit card to start a snowball. We dont eat out for lunch, I bring left overs from home. neither of us buy friviouls items. We dont go to Starbucks etc, we dont eat fastfood, we cook at home 9937; of the time... we dont take vacations we go camping a couple times a year. I know the best option is to pay down your debt with extra income, the only extra income I can see us getting semi quickly would be selling one or both of our cars and getting a cheaper car to replace it, but both of our cars are worth about what the loans are, so selling them will pay off the loans and not much else... so then we would need to get a different car that is cheaper and get a loan but due to income and debt we wont get a loan, and then we are stuck... we could maybe go down to 1 car, that would mean a TON of driving in rush hour for my wife on days when she might need the car, and due to her business she might not know she needs the car till after I am gone for work, so she would really need to drive me to and from work every day he dad drives the oposite way as I do and his commute is easily twice as long... so this would mean 6 hours in a car for my wife and I cant see doing that to her : I would LOVE any suggestions and ideas!!!  <response>: Wife, much better with money, struggling to get new business off the ground, some student loan debt etc, She makes on average currently 10 to 12k a year but this is slowly growingWife needs to scale back the make up artist business to eveningsweekends while she picks up a salary-paying job somewhere else to make money to pay the bills. 