<prompt> Human: So I have 31k in CC debts and prob 2.5k in medical debt I quit keeping track of medical. I am married and have two kids 3 6. I bring home 3127 a month after taxes and insurance. We usually get around 2900 tax refund yearly so I will have that to put on something in March. We have already started keeping track of our budget but we are already in the red monthly on just the basics. More or less im looking for advice on what to do or what direction to go. I know Chapter 13 is a last resort. Card 1 2152.24 - Min payment 60 - 26.24 Card 2 4902.21 - Min payment 77 - 15.24 Card 3 5224.60 - Min payment 52 - 18.24 Card 4 4088.76 - Min payment 61 - 0 until 1017 then to 25.49 Card 5 1442.35 - Min payment 30 - 12.9 Card 6 8328.79 - Min payment 167 - 4.99 until 817 then to 23.24 Card 7 2176.25 - Min payment 54 - 0 Card 8 2810.27 - Min payment 57 - 19 TOTAL 31125.5 TOTAL MIN PAYMENT 558 Car Loan 475.06 - 23881.70 left 4 Home Loan 623.73 - 88509 left 3.5 TV 29.99 Internet 60.93 Gas for Cars 360.00 Groceries 700.00 Preschool School 90.00 Cell phones 141.24 ElectricWaterGas 200.00 Monthly 2680.95  <response>: Sell the car, reduce your withholdings, get a second job or work more hours, sell whatever you can, and reduce your bills gas, cell phone.You can be out of debt in a year if you buckle down. How would not having 1000 in payments on cars and credit cards change your life right now? You can have that if you work hard temporarily. 