<prompt> Human: Today I went to the bank to get a line of credit to help alleviate some of the cost for my upcoming wedding. Decided to find out where I stand with regards to a mortgage. Application came back a big fat no. If somebody could help me figure out how to pay off a 12K collections debt with another 2K debt lingering by asking the questions, Ill gladly crunch numbers.Basic Info: Work full time at a rate of 29.30 an hour, have a spouse who generates income but has her own debt consolidation to worry about. Rent runs 1200 a month, utilities in, phone roughly 110 a month i need to cut down, but like my data for work, a car loan of 29,000 paid 277 bw and have a 10 year old daughter that I have to feed and clothe.  <response>: You have a big collection debt and another 2k debt and 29k in car loans and a GF with her own debts and you want to finance a wedding? Bad move, head over to your nearest Justice of the Peace for a marriage in the county courthouse for under 100. You can have a celebration wedding after you pay off about 50k of debt 