<prompt> Human: I finally did what was recommended on here, and complied a list of all the creditcollections and stuff I am paying on each month. And no wonder I am struggling even though I am making more than I ever have. Its killing us. Throw away account so I post on here. Here is the list:CollectionsDebt Monthly paymentPaypal2,687.27 160.00Discover2,230.52 67.00creditone bank250.0025.00USAA loan 1,876.62 85.00KCI 2,000.00 52.73Silo 112.00 noneUSAA 40373,541.37 85.00USAA 92476,297.94 68.47USAA 52697,299.17 68.47NCA Cashnet1,398.39 noneSpot Loan 342.11 78.56Spot Loan 560.41 109.71Moneykey 359.29 50.00Speedycash195.68 50.00Total 29,150.77 899.94Internet rates are all over the board, I made a smartdumb mistake today and changed my bank account. Most of them had automatic withdrawals that drained me and hard to plan around. I needed it to stop to change my stragety.I live in Kansas. I know that makes a difference, but I am not sure how. Ideas for a company to help, or other options? Is my only other option bankruptcy?TYIA. Edit:Info I should have included :Take home pay between wife and I, 3800 to 4000 a month.Expenses.Car 215Water 98Gas 65Electric 165Cableinternet 180Cell phone, 220 tried to lower this alreadyChild care, 490Insurance, 160 Food, 400 a month family of 4Gas, 120 a monthMortgage, 674Car insurance. 118Edit, forgot one.  <response>: Turn off cable TV, save an easy 100mo, apply it to debt. 