<prompt> Human: This board has helped me before, so helpfully you can again. In the last few months, I switched jobs and lost several hundreds of dollars in take-home pay in doing so. The new job has its perks Fine Dining restaurant, Close to Home, etc... but I am now 4 months behind on my mortgage and have maxed my credit cards. My fiance and I dont know what to do. I have picked up an additional job in the mornings but dont foresee how to dig myself out of this hole. I feel that Bankruptcy may be my best option, but the thought of it is terrifying. I have consulted family and legal advice and they seem to be split about what is best for me. Any advice would be very helpful.Debts:Mortgage - 1800 a month currently behind by 7700Credit Card debt - roughly 8000 both cards have been turned offPay - 760 a week take homeCar payment - 350 a monthTimeshare maintenance - 90 a month my finance pays the monthly i just pay the maintenanceAssistant: Get rid of the garbage timeshare...biggest waste of money there is and you guys clearly cant afford it. Also car payments are absurdly high for your take home pay.Human: I dont see how Im getting out of the timeshare. In looking around it seems that timeshares are impossible to cancel and even more impossible to sell. As for the car you are right, the payment is a relic of when I was doing a bit better for myself.  <response>: Sell it for a loss, theres companies who take them over apparently too, but the amount of debt youre in is only going to get worse if you dont take steps to fix it. What good is the timeshare is you cant afford to even use it let alone pay your primary residence? 