<prompt> Human: Hey PF, So the wife and I have abused credit for way too long. Its how we funded everything, wedding, house furniture, electronics, appliances, etc, birthdays and Christmas every year for our family, the list just keeps going.I created a spreadsheet of our outstanding debts, our monthly minimum payments, APRs for each cardloan, and our current monthly income. If we pay the minimum on each card and change nothing else we are 150 ahead per month. Financials:Credit Card Debt: approximately 65,000Student loans: approximately 15,000Medical bills: approximately 20,000Mortgage: approximately 130,000 - refinanced at 4 two years ago - 990 monthly paymentAutomobile debt: 30,000 loan with a 550 payment and a lease with a 500 payment almost up - The 30k loan is 3 months old so Im not sure if I can refinance that, plus it has 6k of negative equity built into it.Lendingclub declined my application for a consolidation loan of 35k, I tried 15k after that and was declined as well.Step 1. Cancelling everything we dont need, I almost have the wife talked into cord cutting when our area gets fiber internet in 6-8 months. Were currently on DSL and cant stream at all.Now this is where I could use some help...Step 2. Snowball? Avalanche wouldnt work well for us. Apply for other consolidation loans where would I lookstart? Try LendingClub again with a smaller amount? They said my credit score was 672 when they declined me. Is there a way to get a co-applicant wife on a lendingclub loan if that would help?Is this bad enough to start thinking about chapter 13? We dont plan on looking for a new house anytime soon, or a new car...although we have to figure out what to do with her lease when the time comes. She is okay with buying it out if we get a good rate and a lower monthly payment.Please help us PF, I appreciate your time and thank you for reading.EDIT: Adding income as it had been asked in the thread: 120k combined between my spouse and IEDIT 2: For anyone that actually comes back to this thread, this will be my last update - but weve created a budget and Ive started selling a lot of things we acquired over time. Ive made temporary changes to my payroll deductions stock options, 401k, etc. until we get on our feet and despite some advice for it and some against it, Ive taken a small 5 apr loan out against my 401k balance to pay off one high balancehigh apr card and start the snowball affect. We cancelled cable, we still have Netflix and Kodi free streaming, and all of the sudden we have freed up over 500 a month by just making those changes. For those worrying about why I said we wanted to wait to cut cable until we get fiber, its because my current provider has outrageous data cap overage fees that we tend to get hit with monthly already...but well see how the streaming goes on the data cap for a while, and fiber is still around the corner so we can manage until then.On a lighter note - not only do I feel like Santa Claus by selling folks things around Christmas at good prices, but we also feel like weve lifted the fog from our eyes and stopped digging our hole with full awareness of why and how we got there - now we just need to start the climb out, which technically we already haveAssistant: I was with you until the last sentences. Youve realized you have abused credit and have a serious spending problem, and are considering bankruptcy, and then in your last few sentences you say you might buy the car if you get a good rate. That is more debt! You dont need more debt!Human: Gotcha, would you recommend extending the lease over buying the vehicle?  <response>: I would recommend giving it back to the dealership and buying a cheap reliable beater in cash. If cash is not possible, then taking out a loan on a 4k car is a substantially better idea than buying out your lease on a car that is far more expensive. 