<prompt> Human: Basically I have a lot of credit card debt and Im starting to not be able to pay the minimum payments. On top of that me and my spouse have 5 car loans we are trying to pay off and its hard to try and sell them because theyre upside down. Honestly not sure why the bank kept giving us a loan We live paycheck to paycheck so all together our debt is at about 90k altogether. My credit isnt good enough for a debt consolidation loan. I also have debt on my credit report going to debt collectors. Plus rent and insurance and everything. What are my options?  <response>: Its impossible to give you any advice without knowing your annual income, as well as a list of each debt, how much is owed, and the interest rate. 