<prompt> Human: I had a job that helped me pay my credit card bills until a few months ago. I have food and shelter via my husband, but nothing more. I have six credit cards that add up to 25k with varying APRs 8 - 20.My husband and I rent a home, while my children live in our house about 360k left to pay on the mortgage, and FWIW, Zillow lists it as a 550k home - our children make the payments.Only my name is on the credit cards, but both of our names are on the house documentsmortgage.Im wondering what options I have if finding a job is not within reach. I think my children would be willing to help me pay this debt, but I dont think Id feel comfortable with this. Bankruptcy was never in my plans, but its preferable than having my kids pay off this debt for years 450month toward principal.My husband still works, but he has an 8k debt to credit cards himself. He was going to takeover my own debt, but that cant certainly be a good thing when hes a year or two from retiring with full benefits.Thank you for any insight.  <response>: With the minimal detail you provided, there can really be only minimal advice to be given:- Assure your cash flow is positive you are making more than you are spending each month- See if you can reconfigure your interest rates Get a 0 APR for 18 months card with a balance transfer to buy time on the interest- Get one or two new jobs to get your cash flow positive... How else are you going to get money to pay???- When your husband retires, he will probably still have to work- Dont live on credit 