<prompt> Human: Im 16 and my parents dont really know english so thats why im here and not my parents.we live in the US ok, my mom cant find a job and if she does it will probably be working in a minimum wage job since she doesnt know english, for right now, she is voulenteering at a local thrift shop because she cant stand not working.. Im soon to be a lifeguard working at 8.50 an hour and i think it will be 40 hours a week.. My dad owns a semi-truck that were still paying off; we still have 10,000 dollars left of it. It recently had a part broken which the company he works at payed for 15,000 dollars so right now, every check he is getting which is basically somewhere around 2000 every 10 days or so is not getting to us but going to his company because they say To get your check, first we have to deduct the repairs we payed for you we didnt have the money to pay it off so they payed for us, and now we are paying them back... we have 3 credit cards and a monthly rent of 1,300 dollars that we have no idea how to pay for right now, we tried getting other loans but they deny us because my brother screwed it up thinking he could just run away from home with his girlfriend and getting a 5000 dollar credit card to supply him with enough money, on my moms name and took some more credit cards on my dads name. Luckily, we payed them off and our credit is getting better.we had excellent before that happenedtl;dr my family needs so help with our debt crisis with terrible credit and more than 30,000 dollars in debtAssistant: First things, first: ignore reasons and give me numbers. Total monthly income, and total monthly expenses in as much detail as you can.BTW -- earning minimum wage for 40 hours a week when youre broke is better than earning nothing.Human: Dad- makes 4000 a monththis can be lower or higher since its not a very stable job and now hes basically earning 1000 or less a month because of the money he owes to his company and thats basically it.. we can ask our sister for some moneyshe earns 800 a week so 2400 a month monthly expenses-car500 a month dads truck insurance- 1500 month food- 500 a month more or less, credit cards-700 a month, rent- 1300 a month, cellphone bill- 700 a month,the truck - 1500 a month, and internet- 100 a month.. I think thats all there is..Assistant: 700 for cell phones??Human: actually, now that i talked to my mom, it turns out that we pay cellphones every two months which is 700 dollars, the regular price is 350, even with 200 minutes for my mom and i, while my dad needs unlimited minutes for his work, as he has to talk to dispatchers and brokers all day.Assistant: Using Virgin Mobile, I pay 30month for 1500 minutes, and 1500 texts. I think their unlimited plan is 40month or less. You guys should probably consider switching to something much cheaper. Boost mobile is also far less than 350mo, even for 4 people Im assuming its for your dad, mom, sister, and yourself on the same plan?.Human: yes, we are. Does Virgin mobile use sim-cards? As we would like to use our phones that we have right now.we have t-mobile right now which uses sim cards so can we just transfer them?  <response>: How are you paying 350mo? Im with T-mobile, too, and our bill for a family plan with three lines, all unlimited talk, unlimited data on smartphones is 180mo. 