<prompt> Human: Hey guys, I am big lurker and rarely ever post, but would like your insight.To give as much detail as possible, currently I am exactly 21,665 in credit card debt almost 750month in minimum payments. I owe almost 60,000 between 2 vehicles one is for a pickup truck at 5.5 850month and one is a car for 11 and 620month. We took out a personal loan from lending club and owe almost 8,000 to them the interest rate is something insane, like almost 30 but we were desperate 420month. We also owe almost 2,000 for a mattress we bought 160month. We also have about 10,000 in medical debt from a emergency room visit. I rent a cheap cheap house in North Texas and pay 600month. Also, my wife was hit from behind and totaled a vehicle in January that we owed more than it was worth, and after the insurance payed out we still owe almost 8,000 on a car we no longer own 500month learned a huge lesson, get GAP insurance kids. I am current on everything but I am stretched so far in minimum payments that I dont have hardly any money left over at the end of the month to try and pay this debt. My wife works and brings home about 1,000 bi-weekly, but we are expecting a baby in july and she will be leaving work soon to take care of our son. Now, I own a small trucking company, but business has been slow and I can only afford to pay myself about 650week right now net. I started this company around this time last year and it was very slow to get off the ground, that is the reason we got the lending club loan, we didnt really even have money to put gas in the tank or feed ourselves and this offered a way to survive so I took it.I realize our finances are a giant mess. It keeps me up at night and I hate hate hate being in debt like this. I have been working really hard, and trying to pay off this debt that I know I owe but I have gotten nowhere. With the fact that my wife will soon be leaving work, I have been racking my brain trying to think of ways I will be paying these minimum payments once she leaves. Honestly, I was raised by very financial responsible parents I am a first generation Mexican-American and my parents always worked several jobs to make ends meat that carried very little debt and I feel like a huge failure. This looming debt has me very depressed and I have been contemplating suicide. The only reason I have not done it is because I learned most life insurance policies do not pay on suicides. This debt is all I can think about and I hate it. I know we got ourselves in this situation, but when I learned about bankruptcy I finally saw a light at the end of the tunnel. A fresh start is what I dream about. I feel like if i could just hit the reset button, I would do so much better with a fresh start. I have not used my credit cards in months, I feel like I have learned my lesson when it comes to credit card debt. Pay off your balance at the end of each month. Anyways, I was hoping to get your insight on my situation. Once my wife leaves work, I wont be able to pay the minimum payments on everything and things will start to get behind. Bankruptcy right now seems like a god send. I know it ruins your credit, but the last thing I want right now is to borrow more money.  <response>: First and foremost please call the suicide prevention hotline listed below. Forget about your finances for a moment and please talk to someone about your depression. I know the feeling but there is light at the end of the tunnel and there are a lot of people who would lose out on your presence in their life. With that said your income is soon to be approximately 34k a year with about 110k in debt. You wont be able to make the minimum payments any longer and you certainly wont be able to pay off your debt in 5 years so bankruptcy is probably your best bet to get a fresh start. Bankruptcy is not the end of the world, it will give you an opportunity to wipe the slate clean and start over. 