<prompt> Human: Hi, sorry for the long post but Im gonna try to give you guys all the information you need. I live in Florida and my girlfriend and I are both 2223 and are way in over our heads. Neither of our families want to help us, so thats out of the question. I have a lot of credit card debt and I need help. Im at my wits end and feel like giving up and filing bankruptcy. My girlfriend is also going insane and even our relationship has taken a toll because of the stress level we are in. I will list all my debt below, so you guys can see what my situation is exactly. CC 1: Balance; 5,937 APR; 25.90 Limit; 6,000 Company; Capital One Minimum payment; 188CC 2: Balance; 4,355 APR; 23.90 Limit; 4,500 Company; Capital One Minimum payment; 138CC 3: Balance; 1,683 APR; 27.99 Limit; 2,000 Company; Barclays Minimum payment; 58CC 4: Balance; 948 APR; 0 Limit; 1,000 Company; Citibank Minimum payment; 25CC 5: Balance; 731 APR; 18.99 Limit; 750 Company; Discover Minimum payment; 35CC 6: Balance; 1,200 APR; 0 Company; Synchrony Bank Minimum payment; 75CC 7: Balance; 1,022 APR; 0 Company; Synchrony Bank Minimum payment; 20CC 8: Balance; 1,277 APR; 0 Company; Synchrony Bank Minimum payment; 54CC 9: Balance; 0 APR; 18.99 Limit; 4,300 Company; Chase BankCC 10: Balance; 0 APR; ?? Limit; ?? Company; Macys I never use this onePersonal Loan: Balance; 4,837 APR; 17.51 Company; Upstart Original loan amount; 6,000 Minimum payment; 215Auto loan: Balance; 44,062 APR; 12.24 Company; Ally Bank Term; 75 months Minimum payment; 852Verizon cellphone bill: 250 a monthAuto insurance: 250 a month Netflix, Hulu and other small expenses: 50 a monthMonthly gas expense: 0, have an all electric vehicle. Total monthly income: 3,500My girlfriend and I both have self-employed jobs and we have a joint bank account. Our total income together is around 3,500 a month.I should mention the vehicle I purchased is an all electric car, so I will be receiving a tax credit of 7,500 in my taxes in January, plus whatever other refund I get which should help. I should also mention that I left the apartment I was renting and moved in with my girlfriend to save money but I broke a lease and am required to pay a total of 2,700 in lease fee, broken into three payment of 950 for the next three months. At this point, we just need someone to tell us if this situation is even salvable or if we should declare bankruptcy now. If we can salvage it, please tell us how. We have tried every financial plan on Earth but for some reason we cant seem to make this debt go down. If you guys think it is hopeless, what are the steps we need to take? Stop paying everything? File bankruptcy?Thank you for taking the time to read all this and helping us. If you have any questions or I missed anything, Ill be responding to everyone.Edit: For everyone asking about rent and utility expenses, we have 0. We live with girlfriends mother, who doesnt charge us anything.Edit 2: For everyone asking about combined income, my girlfriends income is going completely to my debt, she is dedicating it to my bills, thats why I listed combined income. Edit 3: For food, our expenses are about 200 a month if you count fast food or groceries.Edit 4: My car is a 2017 Chevrolet Bolt EV Premier which the KBB value is 31k and I owe 44k. I dont think I can sell it cause Id be underwater 13k.Assistant: No to bankruptcy, your debt is not that bad.1 year of frugal living I reckon.Cancel Netflix, HuluGet rid of car immediately and walk, or ride a bike or take bus.Shop for better Cell deal allow for 25monthCancel CC 10 CC9.Pay off CC5, then CC4, then CC7, then CC6, then CC8, then CC3, then CC2 and then CC1. When each is cancelled, cut it in half and call the bank and cancel it.Pay off your broken lease you have toGet weekend jobs to earn extra cash. Stack shelves, wash dishes, dig holes.Do online surveys to earn extra cash.Face your problem head on. Make it your sole mission to turn that shit around.I did it, you can do it together.After each credit card you pay off is cut in half, you will feel a load off your shoulders.Human: Okay, I can cancel Netflix and all those things. My cellphone bill includes two financed phones, if I leave theyll charge me the full price. I dont think I can leave Verizon. My trade-in value for my car is 31k according to KBB. I owe 44k, so how could I possibly get rid of it?Gotcha on the CCs.I might have to be late on the first payment because I cant afford it right now with all my bills and its due December 30.What websites let me earn money from surveys? Is it a lot?  <response>: Re: your phones: Usually there is some carrier or other that is promising that if you switch to them, they will buy out your current contract. I suggest finding out whos offering that kind of deal and switching. 