<prompt> Human: So, my husband and I about 5 years ago BOTH went through a job loss and we ended up digging ourselves into a massive hole. Credit is destroyed. We have combined 7000 in credit card debt, 6000 car repossession written off, Owe BC-MSP 4000 my wages are presently being garnished 30 for this. We pay 700m rent, 70 internetpower, 250m cell phones we both require large amounts of data for the work we do and have already fought Rogers and that is the lowest rate we could squeeze out of retention for the internet we need, 240 month car insurance, 380m car payment we just managed to by the grace of god refinance at a 4.99 interest rate, it was WAY more before. My credit score is at a 571 and he is at a 600. We have so many different payments going to so many different places its hard to keep up and our money just disappears. Were making about 2400m after my garnishment. My husband is now being threatened by his creditors. They want 3,200. Nothing that we can actually afford to pay is good enough for them and Im sure its only a matter of time before they start garnishing him too. Already After food, gas, incidentals we are left with basically nothing. We can scrape by, but if anything unexpected comes up were hooped and if we get further garnished, the hole is going to get deeper because we will have to give up paying for our vehicle, have it repossessed. If we can hang on to our car for at least 1 more year we should be into positive equity on the vehicle. Im not sure what to do and the stress is eating us alive. We have considered bankruptcy but we really want to find a way out without going that avenue. I feel it may be our only way out. Any advice?  <response>: Youre making 2400month combined? Thats only 28kyr after tax, I hope?. Obviously your situation feels quite hopeless and dire, but based on this information, it seems like you have an income problem, even beyond the garnishment. Can you find a way to increase your income? It will help.And somebody already mentioned it, but if your work REQUIRES you to have large data plans, get it reimbursed or covered by them. 