<prompt> Human: I 26m dont know where else to turn, so I hope you guys have some advice for me. Sorry for the throwaway.I moved from a 120k a year sales position to a 45k civil servant position a few years ago. The cut in pay didnt affect my lifestyle much, as I was able to save quite a bit before I made the transition thanks PF!. I have a home that is paid for valued at 135k 2 years ago, a car that is way above my current salary which isnt necessarily an issue, and minimal student loan and credit card debt. So whats the problem? My mom was in an accident last year, so my bills ballooned fairly recently into an unmanageable beast on my salary. She is currently waiting for disability and has moved in with me.Ill start with my bills, then add the new ones.My car - 682mo valued recently on trade in at 35,000. Owe 38,880Car insurance - 190Credit cards - 100mo only 2800 balanceStudent loans - 70mo 6600 balanceEnergy - 90moInternet - 68moNetflix - 8moHulu - 11.99moGas - 30moWater - 20mo--New bills--Her car - 468mo valued recently at 14000, owe 21800Her car insurance - 360moPhone bill - 230mo I joined her plan and cancelled mine.Her credit cards - 300mo 15000 balanceHer life insurance - 100moCancelled TV -480 not yet paidMedical bills are astronomical, but the attorneys are handling them.I dont think Im forgetting anything, other than miscellaneous times shell need money for prescriptions she doesnt have health insurance. In the midst of all of this I was hoping to move to another state, but that doesnt look feasible now. Ive burned through virtually all of my savings, and the next step for me would be to cash in my 401k and clear all of the debt. Id like to not have to, but I dont see any other options. I attempted to get a loan for the negative equity in her car to sell it, but have been unsuccessful. I have to get rid of her car and insurance. She cant use it, and its killing me monthly. I bank through a credit union, who is willing to give me a loan against the house to pay all of the debt, but there has to be a better way... Thanks in advance PF. You guys helped me get to where I was, maybe you can help me find a light at the end of the tunnel... On mobile, sorry for any formatting errors  <response>: Did you notice how in the safety instructions on a plane they tell you, In case of an emergency to put your air mask on first and then help those dependent on you? That advice is not to be cold and heartless its because if you pass out while struggling to help someone else you will both die. This applies here , you need to make sure youre mask is on or you wont be able to help your mom. Credit is important but in reality since youre willing to help only one of you needs decent credit and its very important to note credit can be rebuilt in 2 year to qualify for a loan and 4 years to qualify for a really good loan. Call your mothers CCs and say Do to an extreme medical emergency we will not be able to pay on this. Give them some infomom has 500,000 in medical bills , can not work and is not classified as disabled yet, if there is a lawsuit pending tell them , if they believe they can not collect they will put you on the bottom of the pile and all you will need to deal with is a few phone calls for the most part they know they can not get money from a stone , your mom is noncollectable ATM If someone sues consult a BK lawyer at that point. LEt her car be repoed ...Thats 700 a month are part of her medical bills from a car accident? She could take a 30 Uber 3 times a week and still be better off. Yes people will bug her for them money but once the situation is resolved you can help her reestablish credit. That phone bill is nuts ...The way you are heading now you;ll both be bankrupt and homeless. Feed her , house her , get her to her Drs appointments but dont bankrupt yourself too buy paying off CCs and that car. AS a side note , most lenders understand devastating medical bills. 