<prompt> Human: Im 28, married, and have a young son. About four years ago my carefully planned life pretty much fell apart. It started when I hurt my back and lost my job because I could no longer do the work.Shortly after I found out I had melanoma cancer, and have had it for years and years. Multiple major surgeries and treatments later Im cancer free and trying to piece my life back together.Through all this Ive run up 25,000 in debt trying to keep food on the table and doctors paid, I had no insurance and found little work between recuperating from surgeries. Ive lost everything except my house but Im three payments behind now. My wife manages to make 150 a week sitting with an elderly woman. So you understand why she does not have a full time job, she has scoliosis, lordosis, and severe kyphosis together and cant do much. I, however, have not made anything at all in a year and before that I was making less than 500 a month doing some part time work. My mother moved back in with us to help us pay the bills but she does not work and only draws SS.Please help me, I need advice. I want to get my life back together, but things are so bad I just dont even know what to do first. Do I have any options besides bankruptcy? Im still possibly months away from being able to work again, and thats whenif I can find a full time job.Heres the breakdown...Income: 1,834 Per Month TotalExpenses: 1,975 Per Month TotalCredit Cards - 210month - 15 cards, almost all are 29.99, all maxed out, 20k in debt, and I had to quit paying six of them last year to keep up with medications and doctor visits. I get about 10 calls a day from collection agencies.Dr payments - 20month - I desperately need to pay them more as I still need followups and they wont see me until I catch up. It would be roughly 100m, 5k in debt to four doctors, two labs, and three clinics. Ive worked with them a lot and had my bills greatly reduced, I really feel like a total dick not paying but a few dollars every month.Mortgage - 670month - 84k loan, been here 6 years, owe 74,000. Im three payments behind and about 2 weeks away from possible foreclosure. It will be 690month in march because of rising property taxes. I pay almost 50 extra each month in late payments.Utilities - 353month - lights 183, 2 months behind but we keep rolling it over at 2 a month fee, water 45, again, two months behind, cable internet 125, two months behind, our only entertainment budgeted. I have magicjack, so no phone payments. Cell phones - 7month - we use prepay, they are mostly for emergency and its about 20 every 3 months.Car payments - 0 - 1999 Ford Ranger, paid off long ago but falling apart. Still runs, but needs 1k in work soon.Car insurance - 90month - full coverage.Gas - 240month - not pinto beans, for the truck.Food - 300month - we coupon almost everything and usually shop at Kroger or Wal-Mart. we dont buy in bulk much, even though we got a deep freezer as a gift last year.Entertainment - 0month planned - We do find 10 every couple of months to go grab some cheap burgers or sometimes well rent a redbox and watch it together. Overall though we dont spend anything here on a monthly basis.Life Insurance - 7month - 50k on me, 25k on wife, 12.5k on son. All accidental.MISC - 78month -bank fees 10m, money for lunch 10week, mothers Hulu 8, mothers Netflix 8, shampoo, toilet paper, etc. I would like to cut out hulu and netflix, but it would be a war...suggested it before and it did not go well...EDIT: Wow, thank you everyone for the guidance! Words cannot express my gratitude.For everyone asking for more info...For those asking about my high gas bill, my wife works 6 days a week but she cannot drive sometimes her legs stop working randomly so its too dangerous for her to drive. I drive her to and from work, which is four trips per day. On Friday she has to go twice, which is 8 trips total. It adds up quick. Also my mother has a 1992 Chevy APV van that gets pretty bad gas mileage that she drives around town too. All in all we spend about 60 a week on gas. I forgot to mention said van, which is also included in the car insurance. Its liability only.I agree with cutting the cable out, it seems like the best first step. Ill see what I can do, its another one of those things my mom does not want to give up but we need to do something. Were rural and we only have one provider here and they run a dirtbag monopoly with paid off county officials so I have not been able to switch except direct tv or dish...which actually cost more than I pay now after the first year. We have the most basic analog cable package they offer and 6mb internet. DSL doesnt come out this far yet, but may in 3-5 more years. Im praying for Google fiber.I use Wells Fargo for my banking. It was their free checking package, but now they charge multiple fees...5 or 6 for something or other, and 3 to 4 for ATM usage which is usually the only way I bank. I have not even seen a teller in years. I looked into our local credit union we have three around here, but the one I went to five star credit union I think? wanted me to have a direct deposit every week and told me all the credit unions around here require a direct deposit. I have nothing to deposit lol.As far as the electricity, Ive always wondered why in the heck our bill was so dang high. We cut stuff off, we run CFL bulbs in everything, we make an effort to keep the power down but its still so expensive over 200 in the summer. We used 1,200kWh last month for a total of 142.69. That seems like a lot. Were on budget billing though, so its 180-185 pretty much every month.  <response>: I did a quick scan, if you havent already, apply for disability, you and your wife both. It might take a while to get a decision, but it would be a boon to your family. 