<prompt> Human: We are a family of 5. My Husband works and I stay home with the kids. My Husband makes 40000 a year. I do not work because daycare for 3 kids would cost what I could make working. Our situation:1. We own a home that is worth 200,000 and we owe 150,000. We rent this home out for 1300 a month. The morgage payment is 1000. We tried to sell this house but received no offers.2. Credit card debt is about 20,0003. Car loan is 9000. We pay 250 a month4. Living expenses. We live without cable and going out. We have cut anything we can to keep our expenses low. The problem: my Husbands pay checks cover our bills and nothing more. If we re able to find a way to pay off the debt we would have money to save and spend each month and stop the debt cycle.The questions! 1. Can we qualify for a heloc loan with the rental home?Is this even a good optoon?2. Debt consolidation, whats the best way to do this?3. Bankruptcy. Is this really an option for us that makes sense?4. Stop paying credit card bills. Then what happens?Our credit is good right now. We plan on renting until i start working when all of our kids are in school and daycare would be resonable, so in 4-5 years.  <response>: either you or your husband need to get another job...you on weekends or nights as your husband can watch the kids. The equation is simple, more income and less spend 