<prompt> Human: Basically I incurred all this debt over the course of a year. I was current in all of my payments until my income took a dive 33kyr to 26kyr I am behind in every account and cant afford to make the minimum payment on every account. Ive been advised to file bankruptcy but i know there are other choices. Settlement, consolidation and saving money on the side in case a lawsuit is filled. Whats the best way going forward. Heres a look at some of my monthly expenses.Rent 500Gas 250Insurance 200Phone 100Internet 50Utilitys 200Food 300  <response>: Does your wife work? If not, she needs to get a job instead of yall getting into bankruptcy. 