<prompt> Human: Hi pf,This is a throwaway account for some private reasons. Im currently sitting on 20,500 of debt which includes credit cards, cell phone hardware contract, and piling medical bills due to my wifes multiples on the way.I currently have no job, and I am living with parents who are also giving me around 500 monthly just to pay the minimums on my accounts, and it doesnt actually cover the full minimums of everything.I have sub-640 credit so I cant apply for a debt consolidation to make payments a little easier. I cant take out any loans from friends.Our only assets of value are the following My car, fully paid off resale value of approx. 8,000 Wifes wedding ring resale value of approx. 1000 My misc. junk resale value of approx. 800 My grandfathers mandolin resale value of approx. 400I cannot sell my car since I use it for oddjobs that help pay for our doctors appointments. Plus its owned outright, so Id only be going into further debt by selling it.Is there any ray of light for me, or am I doomed to file bankruptcy and ruin what little is left to my name?  <response>: The obvious biggest thing would be get a job.You might want to post your skills and education into rjobs or rcareerguidance and see if they can suggest any jobs for you to apply for that you didnt think of personally. Or maybe a copy of your resume into rresumes and see if anyone can suggest how to improve on it. 