<prompt> Human: Weve dug ourselves in too deep. We had a lot of emergencies this month that essentially forced us to take out not only a loan from rLoans1 for 200, but another 1200 in payday loans. We also have an installment loan weve been paying off for a while now. Right now it seems my only workable option is to take another installment loan for as much as I qualify for and try to pay off as much debt as possible to minimize our monthly bills. I really dont want to do that, but I really dont see another alternative. Right now, with the bills as they stand, we are 1034.16 in the hole for May. We live on a fixed income. I cant just work more hours or hope for a bonus or my tax return Im on disability, so I dont have any taxes to pay. to get me out of this hole. Someone on rLoans2 suggested I come here, at least in the hopes of trying to make some sort of plan not only to get by next month, but to get out of debt for good or at least make better financial sense. Since youre probably wondering, Ill go ahead and list out what I owe for May including total balances for each line of credit: Rent: 850month for the next 8 months, then 800 month. Cable Bill: 70month after taxes. I can downgrade to a lower speed which im considering to save money. Phone Bill: 260month nothing I can do here. Were on the cheapest plan with the cheapest phones and sort of need them to keep in contact with all the doctors and etc. Electric Bill: Roughly 80-100month. Already on Energy Assistance Program and we keep the lights off and turn off power strips to minimize power usage. Car Insurance: 100month for minimum coverage by law. Merrick Bank Credit Card: 650 limit, 662 owed, 40month payment Walmart Credit Card: 400 limit, 350 owed, 25month payment 76 Gasoline Card: 400 limit, 350 owed, 25month payment Lane Bryant Card: 300 limit, 230 owed, 25month payment Banfield Pet Hospital: 63month for insurance on two pets. please dont make me get rid of my animals... 1st National Bank 800 limit, 770 owed, 20month payment Credit 1 Bank 300 limit, 250 owed, 25month second credit 1 bank 1 in each of our names 300 limit, 260 owed, 25month Gas Service: 65 one time. its warm now, no need for the heater till winter 7th Avenue 850 limit, 600 owed, 35month Fingerhut mine 1500 limit, 1500 owed, payment based on amount owed, currently 66. goes down by 10 for every 200 paid until you reach 20month Fingerhut wife 1200 limit, 1000 owed, see above. currently 49 a month Gettington 800 limit, 800 owed, works the same as fingerhut, currently 70month Car Payment 10,580 owed, 320month First Premier 700 limit, 720 owed, 73 due next month, changes every month USAA Credit: 1000 limit, 1018 owed, 30month CheckNGo: Installment Loan. If paid off tomorrow would only be 2500, but with interest over the next 12 months its 570month. Reddit Loan 200 repayment 230. Various Payday Advances 1215.38 Now Im on disability making 900month, and both of my kids are on SSI making 800month. Thats around 2500month 2506.20 to be exact. It doesnt change. This is what I have to work with. Right now adding up all of next months bills, we owe 3,540.36. At the moment, my plan is and has been to just not pay many of the bills this month and hope I can let them slide for a month and catch up next month the ones I skipped the previous month, essentially alternating what im paying every month. If I took out an installment loan for 15,000 which I doubt I would qualify for anyway. i could manage to pay off all my revolving debts including the other installment loan and leave me with the basic bills plus the monthly payment of the 15,000 loan. But that doesnt seem like it will actually put me in a better position than I already am as the monthly payment would likely be 800-1000 anyway. Sure, I could pay off the revolving debts like the credit cards and cancel them, but Im still stuck with a staggering 15,000 loan for the next 2 years of my life. Right now the only things I can think of is: A. Downgrade the cable to the minimum allowed. I think thats like 39.99month. savings of roughly 30month B. Get rid of the car and insurance in favor of public transit which is very limited here, but possible to do. Thered be essentially no change however, as 4 monthly passes is 400 for public transport and the car payment insurance is 400 as well. But id save gas and maintenance costs. C. Get rid of my pets. I really dont want to do this as Im really attached to them, but it would save roughly 100month food, pet insurance, etc. D. Take out another installment loan as big as I can afford and use it to pay off as much debt as possible and closecancel those debts. or E. File bankruptcy and deal with that for the next 10 years on my credit report. Pretty sure id lose the car as its leased if I filed for bankruptcy, but wed make do with public transit if we had to. Right now, the 1034.16 would get us covered for the month, and pay off quite a big of revolving debt but as near as I can figure it, id still be 550 or so short for June. Id be in a better position, sure, but id still be juggling debt around. If anyone has ideas on how to get me back on the right track, please help me. Right now my secondary hope is to take out a 1000 loan on rLoans3 and hope the lender is willing to take 3 monthly payments instead of one lump sum, and get back on track, but even then, I feel like im putting a band aid on a big gash on my arm and not even covering the whole wound. Sorry for the wall of text. TL:DR: Im screwed in debt with no way out. Need help figuring out a plan.Assistant: Im having a really hard time with the payday loans here. You are paying close to 200 interest if you compounded yearly on the Check N go loan. You need to attempt to consolidate this gong show of debt. There are non-profits that can help you with debt consolidation and getting this under control. Once you consolidate clip up your credit cards and dont use them.Your finances arent disastrous if you get your interest payments down on your payday loans. Tell your wife to get a job. It is completely absurd you both need to live with the stress of loans while she doesnt work.Your kids can go mow lawns or do garden maintenance or SOMETHING. Where is that can do attitude that made this country great?Human: the internet ruined that can do attitude. now its gimmie gimmie gimmie, as evidenced by my own stupidity.  <response>: Only you can change you. All of this begins and ends inside your own skin. 