<prompt> Human: So Im looking to see what, if any, options my wife and I may have regarding our very high debt situation.Two kids, late teens. Weve had a large number of issues over the years medical, major house repair issues, major vehicle repair issues, out of work for an extended period of time and decisions for years for her to focus on the kids and not work. She started working part-time a few years ago and for financial purposes moved to a full-time position earlier this year. Were still not able to stay on top of things though. Those issues combined with living above our means its not like were taking vacations, have boats or anything like that though and putting the kids ahead of our fiscal stability got us into this position. What I mean by that is things like our daughter continuing dance classes shes taken for 13 years now, son continuing soccer, playing golf for his high school, etc. Right or wrong, Im not looking for anyone to judge. It is what it is. Combined incomes are around 120k per year, but were struggling with a large amount of CC debt, which is shown below. Typical family of four expenses with a house. Gas, food, electric, phone, internet, car insurance with two teenagers, neither of them has a car though, medical insurance, homeowners, etc. We limit eating out to once a week, but just feeding a family of four alone is expensive. Item Balance Rate Payment Notes---------------Mortgage 112k 4.75 884 30 year fixed beginning 9114Car 1 13k 2.24 282 Pay off date 51421Car 2 25k 2.5 388 Pay off date 12923Visa 1 24k 10.74 450 Limit 24kVisa 2 25.6k 7.9 8.9 550 Limit 26k. 199.6k Debt total. 2,554 total per month.Weve got essentially nothing in savings and are living paycheck to paycheck. I have one IRA that is worth 19k and neither of us is currently contributing towards any type of retirement savings. We have a few thousand dollars in upcoming expenses as well. 2k in car repairs that were trying to push off. 2k in home repairs after the hurricane here that were having to do. We also are heading into our oldest going to college next year. So that upcoming expense is coming as well. However, years ago when the kids were both born my parents gifted them both stock that is currently still invested. Current stock valuations are 25k for the oldest starts college next year, so would be liquidated soon to help towards school and 20k for the youngest. Stock is in both our names and their names as well.I know that the debt consolidation stuff isnt really a solution from reading here.Options that were seeing currently.- Option One: Continue cutting more and more, but weve been doing this for several years now. - Option Two: Liquidate the 19k IRA and pay it towards the two CCs. All to one, split up, etc.- Option Three: Speak with a bankruptcy attorney and possibly head down that path. Obvious concerns here include the impact on everything, the IRA, stock for the kids college, etc.Any advise would be greatly appreciated!ThanksAssistant: 2,500 a month in the expenses youve listed, on a 10km salary less taxes? I dont know why youre having a problem. You are living well below your means from what youve listed, so the problem is definitely what you havent listed. Post your full budget or we cant really help you.Human: I didnt bother going into the full budget detail because it really doesnt make a ton of sense to nickle and dime it all down when were looking at that big of a debt hurdle.As I said.. Gas, food, electric, phone, internet, car insurance with two teenagers, neither of them has a car though, medical insurance, homeowners, etc. We limit eating out to once a week, but just feeding a family of four alone is expensive.Its also not 10km.. Closer to 7.5km. Car insurance runs us about 1k alone due to some accident history and the two teens. Groceryfood bills are probably around 1k combined. Maybe less, maybe more. Some weeks a grocery trip is 200, some less, some more.. Then eating out as well.Medical expenses run around 1k a month a well son and wife both have chronic life related medical issues that arent curable items  <response>: The nickels and dimes add up though. 