<prompt> Human: Sorry for the long post, but I applied for National Debt Relief a week ago and after doing more research here am second guessing myself.I make 67K a year 1400 biweekly after taxes and I have the following expenses: Rent: 625month Phone: 165month Car insurance: 151month Student Loan: 376month Groceries: 400month Gas: 100month Personal loan: 250month will be done paying those in October Amex: 13800 total at 15.15 Minimum 312month Barcley: 6771 total at 18.99 Minimum 180month Discover: 5290 total at 18.5 Minimum 103month Chase: 1779 total at 13.24 Minimum 37month Bank of America: 1065 total at 21.24 Minimum 25monthIm living paycheck to paycheck and Ive got no room for mistakes. I plan to use our tax return to pay off highest interest debt as quickly as possible and stick to my budget thereafter and pray for no emergencies, which, with two kids, is difficult.Should i get out of National Debt Relief immediately? Can I make this work without being ruined for ten years or more or declaring bankruptcy?I appreciate your help.Edit: National Debt Relief is quoting me 589 a month to pay the settlement once its talked down. But Im wary now after reading some of the posts on here. Assistant: I make 67K a year 1400 a week after taxesThose dont add up. Even assuming 2 weeks of vacation, 1400week is 70kyear. Im living paycheck to paycheck and Ive got no room for mistakes.Then you must have more expenses, or less income.At 1400week take home income, thats over 5600month. And your expenses add up to 2,724month. Phone: 165month Groceries: 400monthThose are certainly high. Groceries should be closer to 200month for a single person. There are cheaper phones.Human: Sorry, 1400 a paycheck. Every two weeks so 2800 a month. I have a family of four, so the groceries are higher. Assistant: Is there a reason your take home pay is this low? Are you contributing a lot to a 401k or are you getting a lot of taxes taken out? Ive definitely made way less than you and my take home pay was higher than that.Human: I work in NJ, so I do have a lot of taxes taken out. I work for government so I have an amount taken out toward pension too. In the past couple years weve had to pay more into our healthcare as well. Assistant: Do you get a big refund at tax time? Your allowances may not be high enough. If youre the only income for a family of 4 you should basically owe very little federal income tax each year.Human: My refund is around 5K. My wife works, but basically makes enough to pay for preschool and childcare. Assistant: If your refund is that much, why not adjust your withholding so you are getting that 400 a month in your paycheck? Then you can be paying down debt all year in a more meaningful way and have a bit more breathing room.Human: I dont know. I never knew that was a thing I could do, honestly.  <response>: Definitely. Ask your hr people about submitting a new w4 form. You can look it up online and learn what it is and how to fill it out most accurately. 