<prompt> Human: Like the title would suggest I am not financially in a good place right now. So I am looking for any advice on what I should do or shouldnt do in this situation. Now for some back story. Two and a half years ago I got a divorce from my wife who also made well above median income for our area Indiana. The reason for the divorce was financial irresponsibility on her part. She always took care of paying the bills and I got use to her doing it, to the point I never even looked at them any more. This went on for about 5 years until I opened a AMEX bill that had a balance a little over 50K on it. It turns out she had been using my credit cards and some of our joint account ones to purchase things over the previous 5 years and amassed nearly 75K total in CC debt. Needless to say I freaked out about this to the point I could not get over it and it ended in divorce. To expedite the divorce I told her I would accept the debt on the cards in my name and move on. this was about a little over 20k worth of debt Cause I am stupid.. So with that out of the way I met a great girl about two years ago and she is now 9 months pregnant with my first child. I am still super excited about it. As of last month I took a large pay decrease in my yearly income due to our bonus system being changed. I went over night from making 92K a year to 62K a year. This is what I have for cash on hand right now. 8K in cash in a home safe 3k in savings 7k in checkingMy weekly net pay works out to about 808.00 a week. This will lower to about 765.00 per week when my son is born an added to my insurance policy. List of my current debts with payments. Mortgage - 1,265.00 Car Payment - 540.00 Vehicle 2 - 240.00 Utilities - 285.00 Insurance - 233.33 Garbage Pick-up - 15.00 AMEX - 10K balance left - 249.00 Minimum Visa - 4K Balance - 100.00 minimum Discover - 4k Balance 100.00 Minimum Recreational ATV - 250.00 So as you can see I no longer make enough to cover these debts and pay for living expenses like groceries, fuel, clothing, etc.. I looked into filing BK, however I am told they go off my last 6 months of income and in that case I will still show I have made more than enough to pay the bills in question. I was also told because of my income I will need to file Chapter 13 even after the pay cut due to the median income in Indiana being around 40k.My main goal here is to keep my house so I can continue to live and raise my son in a nice area. I am open to any suggestions or comments on how I should proceed.  <response>: 765week is 3060month. Current expenses are 2750 without all your other expenses, like foodclothingmaintenance, so clearly youre not going to have the income to cover expenses. -540 for the expensive car, 115 for insurance on that car, 250 for the ATV leaves 1845, or about 22.1kyear, something that should be manageable on your income.About 900month in savings right there, which means youll be able to keep your house, eat, and be clothed while meeting all of your other obligations. Wont have 2 cars or a quad, but you can always pick those back up when you have the income to support them again. 