<prompt> Human: Fellow redditors, I am over 40K in credit card debt. Currently I only makes minimum payments and am not making a dent in the money owed. My spending has stopped pretty much completely other than the necessities and mortgage. I have a mortgage with about 120K remaining. Went to get a home equity line to pay off the cards, but it was denied due to my monthlyannual income not being sufficient. Additionally: I make about 1,500 a month. My mortgates is 900 a month; Im not completely irrational spender. I had a year where I had major medical expenses and had to pay for a funeral. It just added up out of no where...in any case. Any advice?? Im also doing my part in googling other sites. Thanks in advance.EDIT: Thank you everyone for your input...really appreciate it.EDIT: bought the house when it was super cheap, the value has gone up a bit...I am looking to sell the house. Its the only logical thing at this point. Thanks guys.  <response>: Your problem is income. 1500 a month with a 900 mortgage payment is not sustainable. Sounds like youve been living above your means for some time now. What do you do and how many hours do you work? You may need to find a 2nd job. 