<prompt> Human: I had a rough start but fell into a great job in an expensive area thinking it was good money. Now that the debt has continued to pile on Im starting to fear I wont be able to cover expensesrent soon. Debts: Personal loan, 12 14,000 payment is 730mo CC 1, 18 9,000 CC 2, 18 13,000 CC 3, 21 2,000 38,000 total in debt not including car loan needed for work.I have one other card that has a 4k limit and zero balance. I also leveraged my retirement and cant take any more from it, around 6,000 I cant touch after taking out a 1,200 loan against it now adding another 40mo to my expenses. My net monthly income is about 4,300.My car is worth about 16k, I owe 22k on it payment 500mo, insurance is 200mo. I have no other assets and my apartment is 2kmo DC area. My wife pays half the rent. Other expenses total around 400mo for foodphonework expenses on my end. Ratio is around 2,900 in expenses before CC payments. Just to cover interest Im paying about 400mo. Im really not sure what to do and would love any input. Im not even sure I qualify for bankruptcy with my income and feel like Im out of options.  <response>: My wife pays half the rentWhat is her income? The both of you need to realize that its not just your debt but also your wifes. What your income and expenses are, isnt important. What matters are the household income and expenses. 