<prompt> Human: We had a house with a loan from a predatory lender. We managed to make the payments but over time they continued to raise often until we finally could not manage them. We ended up in foreclosure. We ended up getting behind on everything else trying to save our home. 5 years of state and federal taxes and many student loan payments. Our credit was in the tank so we leased a home for 3 years and started paying everyone. We paid off the state taxes and have entered into an agreement with the IRS. We have been working with our bank to improve our credit score to buy a home. We just started a 24 month land contract on a home we love. We make good money, roughly 200k a year but have massive bills from the past. House payment is only 1500mth. Problem is Irs 860, student loan for husband is 940, for wife 840, college for 2 kids is 2,000mth out of pocket because the borrow amount is limited due to our income. We have a car title loan of 5,000 with 1kmth payment, 3 payday loans totaling 2,700 to pay off with 600 mth payments. We have a garnishment for medical bills of 600. We need to find a way to pay everyone but more and more collections are coming out of the woodwork with strong arm tactics wanting more than we make. Need a way out and a budget system that works. Most of our debt is to the government who is not easy to work with. Afraid to go to a financial counselor because that increases cost. We are at our end. Any suggestions? Thank you all in advance.  <response>: Ok, so, we could run numbers and Ive done some napkin math but before we get to that, I think your biggest issue is you. Youre looking to blame others for your problems and honestly, none of these problems were forced upon you. Your choices put you in this situation and the sooner you realize that and resolve to change, the sooner you get out of this mess.Assuming 40 percent lost to income taxes, you should be left with 10kmo. Your total monthly expenses should be 6,540, leaving you almost 3,500 to pay utilities, food and miscellaneous expenses. As someone who has had payday loans before, your best bet is to knock them out first. Id probably pay double on them and get them paid off. Next, get your title loan taken care of, it should be easy to pay it and the title loans off in the next 4-5 months.Why arent your kids getting private student loan if you cant afford college right now? Or they could go through Sallie Mae. I didnt have to disclose my parents income when I got my student loans, neither did my brother. Id recommend they get a loan for a semester to give you a break, hell, it might help them establish some credit history of their own.Finally, to the other collectors that are calling you, you can delay dealing with them for only so long. Id suggest you get them to send you written proof of the debt you owe, that should buy you some time. Once you get your payday and title loans paid off, start attacking the collection accounts. Theyre on your credit report already and delaying 4 or 5 months really isnt going to hurt you any more than you already are. You can negotiate the debt, assuming its valid, remember, they buy debt at pennies on the dollar so negotiating is something you can definitely do, but you need to call them and be respectful and be willing to work with them.Thats my 2 cents, take it or leave it, hopefully it works out for you, but you really do need to adjust your attitude and stop looking to blame others for your problems. 