<prompt> Human: I fucked up and got my self into 15k in credit card debt. Sitting at around 24 interest on most of them. Around 6 in total. I am paying on average 600 a month but its getting to the point where Im missing a few payments here and there and its just gonna keep getting worse due to my financial situation. A couple of the big ones are already maxed out so I only have a month or two to do something with them. I had good credit but waited way to long to consolidate it and now sit at around 600. I tried twice to get a 10-15k loan but got denied. The only other debt I have is a 17k car loan.  <response>: I dont know what your income and expenses are, but we may be able to help you build a plan of attack if you can provide us a monthly budget along with the balances and interest rates of each separate car. You may not have a budget set up, but you can still provide your net income and pay period, plus your known expenses such as rent, car insurance, phone bill, approximate amount spent on utilities, gas, groceries, etc.. Also, what is the kbb value of your car? 