<prompt> Human: Hello! I am 34 years old and make 95kyear. Ive accumulated over the past 3 years 60,589 in credit card debt while buyingselling a home and also struggling with bipolar disorder type 2. This isnt an excuse - I accept full responsibility and want to clean this up. Ive sold a house and went from a 1200month mortgage to a 888month mortgage. Im also now on the right combination of meds and have completely stopped impulsive spending. I bought YNAB and am tracking all of my expenses for the past month. This has made me realize Im paying over 500month in credit card interest. I have no late payments or collections, but due to the high DTI my credit scores are only 660. I am barely scraping by making minimum credit card payments. Working a 2nd job would be very difficult because I have some mandatory overtime and I am salaried love my job. However, I am open-minded if you have any outside of the box type of ideas for working a second job. What do I do? Im in IT and work as a DevOps engineer in a major US city. Yesterday my bank account was overdrawn 400 and I used almost all of my emergency savings to cover this. I bring home 2860 every two weeks. Hopefully Ill get a better handle on this as I get better at using YNAB. Heres the rundown on my monthly expenses.BillAmount------mortgage888.90food850.00household goods200.00auto loan fiesta382.70auto loan kia371.10gasoline260.00student loans400.00discover IT151.00watersewagegas140.00comcast135.00chase slavery cc290.00diapers75.00car insurance95.00electricity130.00storage unit68.00gym membership52.00cell phones91.00lowes store card133.00chase slate59.00child support350.00amex BCE301.00Chase Amazon130.00amex everyday35.00paypal credit90.00usaa visa15.00Discover 80.00Netflix11.99recycling6.005,784.69credit card balancesbalanceminimum paymentinterest rate------------Amazon store card173.8325.0026.24AMEX BCE10,770.00301.0022.24AMEX Everyday600.0090.0016.00Chase Amazon5,654.00120.0014.49Chase Freedom14,118.00313.0014.24Chase Slate5,144.0090.0016.99Discover3,843.00114.0023.24Discover IT7,587.00152.0020.24lowes store card7,206.00133.0015.49Paypal Credit3,639.00140.0014.99USAA Signature Visa1,115.7419.0016.15Wells Fargo credit card1,621.0035.0022.7061,471.571,532.00I fully own up to screwing up badly here, Im just not sure how to clean this up. This almost has me panicking not sure how to deal with it. Like I said up above, I have no late payments yet...but not sure I can get any 0 offers with so much CC debt. Should I be considering a CH 13 bankruptcy? Any other suggestions? EDIT: I just want to say thank you to everyone that has commented. Im surprised that virtually everyone had supportive comments. You people are wonderful and I cant thank you enough - read every comment and I am seriously considering all of your advice. Im not going to file CH13 and youve given me hope that this can be fixed.Assistant: Im sure there will be some detailed response to this, but can I just ask the first things that stood out to me is the very high car payments. Why are you paying on two cars loans? Those seem like rather large payments for what are average cars, specifically for a person in a situation where you really need to have a old paid off vehicle. Do you have equity in those where you could sell them for a cheaper used car and eliminate those payments? That would immensely help you tackle the high interest debt first. You could quickly get down several of those high interest cards except for that high balance BCE with the 750mo.Second thing among others that pops out to me is that high Comcast bill. What exactly are you getting for 135mo? Surely TV is an unneeded luxury, and internet alone can be had for much cheaper.Human: The Kia will be paid off in May. The Fiesta was bought with no down payment. You are absolutely right. Ive thought about this and would love to trade in the Fiesta for something much cheaper, but I owe around 19k on it and its worth maybe 11500. We want to keep the Kia when its paid off since we have a household of 6.I really wish something could be done here. Maybe I should revisit the trade in values and see if Im wrong here.Assistant: It seems like theres a second person in your home taking care of children and not working, because you havent mentioned another income. If thats the case, they dont need a car. Its better to owe 7500 for nothing than to owe 19000 for a car you can easily do without, in a situation where youre in so much debt.Once your debt is gone you can think about getting her another car, but in the meantime this is clearly a luxury you two can not afford.Human: Yes, agreed - there are actually 2 stay at home adults in my household. Mother-in-law that has cognitive issues and unable to work. She is legally not a dependent and gets 800month and throws it all away on fast food and buying toys for my kids her grandchildren. My wife is a nurse, but had to quit her job to take care of our 4 5 year old children because of her mothers cognitive decline.  <response>: Is your MIL on social security dissability? Could youyour wife become her representative payee and put her on an allowance? If shes living with you, she should be paying for a portion of her food and housing. It would not be unfair for your to charge her 300-400 for rentfoodutilitiescare by your wife. This is especially true if your wife stopped working in order to take care of her mom.It would be great if you could just giver her the support for free, but you really cant afford that right now. 