<prompt> Human: Have never posted here, but I am running out of options... I have a combined household gross income of about 270K, but that is just a recent change after a promotion and I was much lower for many years, however I am in a never ending paycheck to paycheck cycle paying off about 5-7 debt accounts. I believe if these werent running a month or more behind each and spread out over different time frames, I could handle it.. but right now even after bringing our budget for living expenses down close to minimum, I cant get out of this never ending cycle. Credit score is in shambles under 600, so this is making it hard to do anything that I know of... I know some will just say, pay off the shit you make enough but I am struggling big-time as I have a 1 yo that makes it more difficult. I did pay off a lot last year some other credit cards, so those are zero.. but my job is so damn stressful and demanding, and with a baby in daycare, and a spouse that works full-time also, I cant get a plan together on my own thus far. The reason for the debt is complicated, but i know it was a fuck up and I wont do it again... But I cant live like this anymore.. its killing me and Im hitting panic level. Monthly take home pay: 9K again, this level is recent was much lowerMortgage payment: 1.6KDebts: Mortgage: 214K owed est value 340KHELOC: 35K owedCredit card: 14K owed paid off 4K since delinquent, in collectionsWF Personal Loan: 21KHome contractor owed 2K damages left after a flood401K loans: 13K owed, balance is about 35K in net cash value.Friend: 5K owed, need to pay back asap.Other: 3.5K owed to a very important membership dues related to my workCar lease: 400 a month, expires in May and I have zero savings that are accessible to know what to do then.What I am really struggling with is how to get this manageable in the short-term so that Im not adding more to balances as I struggle to meeting payments during each week as we are paid. I know its a high income, but I work 60-80 hours a week in a crazy high pressure job and I have literally no time to figure it out and it snowballs.. is there any options or recommendations on debt consultants that could help me make a plan? Despite the poor credit, is there any chance the income levels provide ANY avenues for consolidation or refinancing?  <response>: This should be no issue with your income, but you didnt post a budget. It sounds like you dont know where all your money is going. You should be able to clear this all quickly, if you stop borrowing money. First step is a budget and a list of debts with interest rates. 