<prompt> Human: A little background on the situation. Im 31M, and the sole income for my family of 5. My wife does not work, shes a stay at home mom for our 3 children. She wouldnt be able to work anyway, as then wed need daycare and my hours swing so much, theres no way she could work around my schedule. Theres also no way that I could work a second job, considering the crazy hours I already work.Ive been in the human services for about 7 years. I live in a pretty low populationlow income area. My previous job paid 12.25hour. I was at that job for about 6 years and on public assistance. That job didnt offer medical insurance or any benefits.So during that time I was receiving SNAPfoodstamps and medical assistance. We had 0 copay for doctors and medications. Sure we were poor, but we were making it. I had a couple credit cards that I would use in case of emergency, or for large purchases and was always able to pay them off. In January of this year, I got a job offer working in the same field. The offer was 18.96hour, plus medical, dental, retirement, vacation, sick pay, long term and short term disability, the list goes on. I had to take the job. It was too good to be true. I went from no benefits, to full benefits. I went 24,000 grossyear to 38,000 grossyear. I thought I was going to have it made.Well, in the past year, reality has really sunk in. Yes, I am grossing almost double what I was before, but my net pay is barely more. I have union dues, retirementmandatory, and family medicaldental all deducted from my pay checks. Im paying more in taxes because I make more money. In the end, my paychecks are only about 150 more than they were at my old job. So Im netting about 300 more a month. I lost 369 a month in food assistance. I lost my kids free lunch at school. I lost our medical assistance. This month alone Ive spent over 100 in copays for prescriptions and appointments. Im actually more poor now, due to all the copays and having lost food support. My son and wife both just got prescriptions for new glasses, under our old medical assistance, they were covered. Im now being billed over 500 for their glasses, as my new insurance doesnt cover them. This is getting too overwhelming. I cant afford these medical copays anymore. Oh, and remember the credit cards that I used to only use for emergencies? Im now relying on them to buy basic necessities. Ive been using my credit cards to buy food and gas, because after paying my bills, I dont have anything left. And now Im at the point that my cards are maxed out. And I cant make the minimum payments anymore. I literally have less than 100 to last me 2 weeks. And I didnt even pay my credit cards this month. Then Ive been considering filing Chapter 7. I clearly cant pay my debts. But even if I filed Chapter 7, Id erase my debts, but it still wouldnt change the fact that I cant afford to live. I dont have any luxurious spending to cut back on. We dont go on vacations, we dont go to fancy restaurants, none of that. Ive even gone as far as cancelling our Netflix, even though that 10 a month isnt making a damn bit of difference.Then I thought about, instead of filing bankruptcy, why dont I just quit my job. Go back to a crappy job with no benefits and low wage. Get back on public assistance. I was living better off then anyway. And if Im on public assistance I can be exempted from wage garnishments from my creditors.All in all, Im pretty much screwed. I can stay the course, and end up bankrupt; or I can go back to a low paying job and get back on public assistance.Edit to add monthly expenses:I take home about 2100monthMortgage: 443Utilities: 220Car payment: 265Car insurance: 180gasoline: 50Food: 400Internet: 60Phones: 140TP, diapers, misc necessities: 100So Im left with a little over 200 a month afterwards. So then you add in medical insurance co pays, any unexpected expenses, this month I also have to get license plate tabs, that are 118. I end up in the red, every month. I used to be in the black every month. And Im sure someone will say to sell my car, but Ive already thought about that. I got this loan back when I was still in the black. Im 3 years into my 5 year loan. The car has some body damage from two different incidents. Both were just higher than my deductible, and I didnt have the money to get it fixed at the time. So now Im kind of upside down in my loan. I wouldnt be able to sell for enough to pay off my loan and get a cheap car. And I need a car to get to work. There is no public transportation that can bring me to work, and its far beyond walking distance.If I were to pay all my credit cards, it would be about 600 a month just for minimum payment.Edit2: I see a lot of people suggesting that my wife gets a job. Which I agree, would completely solve our financial situation. But shes already at her limits taking care of the kids. She has anxiety problems and thyroid problems. Shes already stressed to the max with our current situation, and Im only working one job. She would flip if I told her that she has to get a job, or that shes not pulling her weight around here. She would also flip if I suggested that she needs to go on meds and get disability because shes emotionally unstable. And guess what then, more copays for doctor visits and anxiety meds. Yes, its frustrating that she doesnt work or drive, but I cant force her to go to a doctor for it. Hell, I cant even bring it up. And it would be very difficult for her or I to work a 2nd job anyway. My current job has unexpected mandatory overtime a couple times a month. Like, you show up for your 8 hour shift, and then find out youre working a mandatory 18 hour shift. That would cause you to have to call in at the 2nd job a lot, and probably lose the second job.Assistant: Your wifes gonna need to get a job. Human: She wouldnt be able to hold a job. She has anxiety issues. When we first got together she was a manager at Arbys and would come home crying everyday because of the stress. She eventually got fired for yelling at a customer. She gets stressed out just being a stay at home mom.  <response>: Sorry if this sounds harsh but your wife needs to get with the program. You still havent said how old your kids are but if shes a more valuable asset to your family holding a job, she needs to get over whatever issues she has and pull her weight. 