<prompt> Human: First time poster here. I make 29k a year working fulltime, own a home, have no car payment, 45 phone bill, 89 xfinity bill, 600 mortgage, but owe about 600 monthly to old credit cards. My parents live with me and pay gaselectricfood expenses with their disabilityfood stamps. I bought the house and opened the credit cards two years ago when I was about to get married and making 50 more money than I am now. Over the last two years my credit score has plummeted, I can barely scrape by. Any advice on programs or companies to contact to help renegotiate my credit card debt?  <response>: 6K is not a lot of debt. Although, you mention a 600 monthly payment. Exactly what is the full amount of your debt? 89 xfinity billBased on your listed expenses, I recommend cutting this expense. 