<prompt> Human: For various reasons I have gotten into a lot of credit card and very high interest personal loan debts. I have passed the point of scraping by. I cannot pay my bills. I hear and see ads all the time for credit help. What I desperately need is someone who can help figure out the mess Im in and stick with me in learning to be financially responsible. Do those people exist? Numbers... well, some of them...Income after insurance, taxes, and all the goods come out 5600 per month 9000 credit card debt7200 personal loan debt4000 title loan18000 bank loanWe still have all of our normal bills, 2 car loans, insurance on 4 cars, medical bills and we will soon be paying more than the interest on one of our daughters student loans. One of my daughters has been sick since May. She tried to go back to school fall semester but had to medically withdraw. Its not looking like she will be able to return in January. Shes non functioning. Her medical bills are around 500-600 a month. Were making payments on what were allowed, the clinics want payment up front or before we schedule again.I realized too late that paying off our house was a bad idea. If we still had even a small mortgage an equity loan might be available. Its silly to me that having 100 equity is more of a risk to a bank thank having 40 equity. I honestly feel completely hopeless.I have always indulged my girls. Ive never had to go into debt for them before. Having one back at home needing care has thrown me into a tailspin I cannot do this without help.  <response>: If you possibly want some help from this sub, you need to provide numerical figures. Whats your income, what are your expenses, and how much is the debt? 