<prompt> Human: So tonight while i was training at the gym to get prepared to take a state patrol fitness test, I was reminded of a story my friend had told me about an acquaintance of his not getting into the troopers because of a bad credit score. This got me thinking about my own credit score, as i never use credit cards for anything, as far as I knew I didnt even own a credit card.Fast forward to me going home and trying to get my credit score online, finding that i was already registered under my wifes email. I ask her for the password, and she is not very helpful. I figure it out on my own and log in. Lo and behold i am the proud owner of 8 credit cards, all of which are 100 maxed out, and delinquent anywhere from 30-120 days.The total comes to 5600 dollars. This is a crushing amount of money in my current situation. I used to work for a metal smelting company that went out of business in my area. However because the layoffs were caused by global economic reasons this allowed me to take advantage of a retraining program. So i am currently in school, and being paid 600 dollars a week while i go. I am going to be attending for the next 8 months, however i was planning on just trying to get on with the state troopers before that and beginning a career there, that hope is pretty much dead, as my credit score is now 430.I have been married 10 years, I have 2 children, an I am living with my mother, and my sister, who is very young 12. My mom was going to lose her home, so while i was making alot of money working at the smelting job, since i was renting, it made sense for me to just move in with her, and pay her mortgage for her until she got another job.My mom has now been out of work for roughly 3 years, and i am the only person in the family bringing in money besides 600ish dollars a month from my mom getting child support. All of this pretty much means my income is basically gone.I understand the living situationmarriage situation is not ideal obviously. I do not need personal advice i know you think i do haha, however i could really use some finance advice. At the moment the debt seems impossible to overcome, seeing as how over due the debt is and how little money is coming in. I do not have any other family to turn to. I am considering filing bankruptcy, however i thought Id come post here first. I just found this news out a couple of hours ago.If anyone is wondering how something like this could happen without me knowing, the wife took care of all the bills ect, and as far as i could tell everything was getting paid and there was no problems. I was never getting bill collection calls or anything like that. I honestly have no idea where she spent the money, and at the moment it isnt my main concern, I just need this problem solved. Also I do not have a 401k from my previous job anymore either, she spent it as well.Lets just assume I am getting a divorce ect. Any advice or questions that could lead to financial advice would be GREATLY appreciated. Thank you very much.Edit- So i havent slept yet, but i wanted to reply to a couple of things before I did to give a bit of information that has been asked and not ignore people that have been kind enough to give their advice.1- What did she spent the money on? She says she spent the money unwisely on little things over time on little things, a big weakness of hers is fast food. I personally do not eat fast food hardly at all because of my gym oriented lift style its my hobby. So eventually through unwise choices she would find herself short on money in situations where the kids might need some new cloths, or some groceries might need to be bought and so she leaned on this extra resource of money. She got scared over time, and kept trying to fix it herself, and was afraid to talk to me about it and kept digging deeper, till eventually i found out via the credit check.2- No, I dont actually intend to get a divorce. I posted so to discourage discussion around the future of my relationship and where it was going because it wasnt where i wanted the discussion to go. I was simply trying to deflect the conversation. 3- My mom has been looking for work this entire time. She is a mental health expert and actually has the capability of making alot of money. However because of being an alcoholic, she made some horrible choices and pretty much got herself blackballed from her chosen occupation, which she seems to not be able to come to terms with. She constantly reapplies to the same jobs for the state and such over and over and never gets passed the first interview. I just cannot bring myself to cut her loose, as doing so would cause her to lose her home and my sister to also suffer. 4- I dont want relationship advice but you really need it. When i was saying i didnt want this advice, it wasnt because i believed no one had anything to offer or that I was closed to hearing what anyone had to say, it was because i was genuinely in a panic about the money situation and really needed THAT information more then anything at the moment as that was my most pressing problem that i felt i needed to solve asap. I did not say it because i didnt value or care what anyone here thought, i appreciate anyone here who took the time and gave enough of a shit at all to try and help. I am sorry if i came off as condescending or ungrateful.5- Someone asked if the money i am getting is a loan or something. No, it is something called a TRA, its a retraining program for workers that lost their jobs because of global changes in the economy and such that could not have been avoided by anything our company did really. China made a bunch of really cheap aluminum and Alcoa had no way to compete with it, the price at the LME dropped drastically and so Alcoa shut down nearly every one of their smelters, so our workers got this TRA program.Sorry if i missed some pertinent information that some needed to properly help me. I am a bit tired, I am sure i missed something. Thank you everyone for all of the advice, and well wishes and such. Also Im not afraid of the criticism, I know I am not guiltless in all this through my own ignorance.  <response>: A few things Im surprised no one mentioned. Your mom is a problem, and youre enabling her. She cant get the kind of job she wants? Too fing bad. Shes not too good to work at Walmart or McDonalds or a gas station. It infuriates me that she has been sponging off you for THREE YEARS, and your relationship is apparently such that youre not even considering making her finally pull her weight. If your wife cant work, she can get disability. If she cant get disability, she can work. If childcare is an issue, she can work when theyre at school or at night when youre home from your training assuming here that you dont want your lazy drunk of a mother to watch the kids. If she is capable of working but youre making excuses for her, then youre enabling her too. Stop it. Enabling people to hurt and take advantage of you isnt helpful to them or to your kids. Even if youre in your 30s, many skilled trades might take you on as an apprentice. Around here many start around 18-20hour and after you pass the journey test pay 50-60hour. Easier entry requirements than the cops too. 