<prompt> Human: My wife and I have been very luck in the last twelve months. Before we moved to CA we had been struggling in OR, where we are both from. Together for more than 7 years, weve never made more than 70k combined until mid 2013.She and I both grew up incredibly poor. No good role models or advice to be had on managing money. By the time I was 18 I had 35k in student load debt to a shady for-profit as-seen-on-tv kind of school. By the time I was 20 or 21 I had perhaps 15k in medical bills. No health insurance since I was 16, etc.As for my wife, she has a lot less debt that I. Less than 10k outstanding but were not maintaining it. Mostly credit card and store account type stuff. A few small medical bills.We both have bad credit, but I mostly have no activity, or very little, for the last 9 years or so. In this time I have simply ignored student loan debt and medical bills. My wife has been garnished a couple of times. She had more consumer type debt, and it was incurred more recently than mine. The last garnishment was 4 years ago. Neither of us have any credit cards.Our take home is 7,700 month, pretty much on the nose. Were not contributing to anything. thought wed work until we died, like our parents are planning. Were 31. Rent: 1550Insurance my car: 50Car 2 lease maintenance insurance: 500Cell phones: 95Electric: 120Cleaning lady: 500 OK, lets talk about this...Child Support: 400Groceries: 600Internet: 60Content subscriptions in lieu of cable: 30Internet pay for dads 40Medical costs: 30075 of our debt or more is taken up by medical bills to public hospitals when I was a kid, or to student loan debt. The student loan debt is both privately and federally backed. All of this debt is 10-13 years old. The cleaning lady is a huge extravagance. We both work a lot, and it really seemed like a good idea at the time. This is maybe illustrative of the problem - were enjoying the money. Weve never had any, and never expected much; were suddenly pretty comfortable and arent wanting and needing constantly, but know the time has come to shift our focus to better things. We havent pulled a credit report on me in the time weve been together. We had 4 years or so ago for her. It was a mess with a bunch of small things under 1k that we couldnt even afford to address at the time.Would a credit counselor make sense for us? Some other sort of adviser? I feel like we have enough resources to get out of this quickly with some good advice. Were both pretty locked in for raises right now. If this happens for both of us our income will rise to around 170k after bonuses. This would be effective March 2015 for both of us.HELP!tl;dr: Weve were always broke. Lots of bad old debt. Suddenly not always broke. Trying to unscrew selves.Edited for grammer and readability.  <response>: Dude, you make a lot of money. The only advice you need is pay off your debt. Its not hard. You dont need to hire anyone to tell you that. And get rid of the cleaning lady for fucks sake, youre not Warren Buffet. 