<prompt> Human: Its a long and winding road of bullshit on how we got here. The worst part was my husband was along with me for the entire ride. Up until 2010 we had been on point with every Credit card or student loan we had. 2010 also happened to be the year that developed a insatiable appetite for painkillers, which inevitably led to heroin. It was a slow ramp of more and more late payments until our use was around 3-400 a day. More and more opened accounts, loans, borrowing from friends until we ended up under around 95,000 in debt. About a year ago, he had enough of that lifestyle. Checked into rehab and never looked back. Told me he loved me, but could not risk being around me if I was still living that way. I was devastated and fell even further into my own ways. It destroyed every connection I had to any family, friend, my husband and even myself. I valued nothing and no one except my next fill. 6 months ago I odd and woke up in the hospital. There was no one to call, no one to ask for help. Nothing. The moment the nurse cam in I told her everything... It was like I could, finally say all the things I was terrified people knew all along. She gave me some contacts and I checked into rehab myself. Fast forward to 2 months ago and My husband and I are working through things. Its exhilarating to be out of that haze, but terrifying at the same time. Each of us, focuses on nothing more than staying sober. Everything, EVERYTHING comes after that. We have moved well over a dozen times in the past 6 years, changed jobs continually and the phone numbers came and went time after time. Im positive bill collectors have been after us the entire time, but I havet heard a thing. Nothing else mattered. I cannot describe how exciting it is to see the grass again, the trees... people... For years those things were background noise to my addiction. Now I savor every minute I am sitting in traffic. Just being alive is the best thing thats ever happened to me. You can be mean, nothing you could say would ever inflict more damage than I have. Tell me we shouldnt be together... I have heard it all. I deserve it. Were both guilty, but we want to fix this. Just have no idea where to start or what our options areI dont want to go into detail anymore about our past, reliving it serves me no purpose. I wouldnt wish it on my worst enemy. The things I have done... I just dont want to be there ever again. So where do we start... what do we do. I have both of our full reports from annualcreditreport and its just a wasteland. Not a redeeming quality between the two. Finances break down like so:My monthly income : 1350.00 on a bad monthHis monthly income : 3100.00 on a bad monthTotal income per month 4400.00Rent : 1200.00 we both work in the cityPhone : 125.00 month go phones no contractElectric : 150.00 average Assorted: 130.00 gas, internet, water, sewage, trash pickup and parking. All part of the rental agreement.Food : 250.00 Transport : 75.00 Both use public transport or drive occasionally, but the car is paid offCar insurance : 75Debt breakdown between the two of us:Mine:CCCharged off1,500.00CCCharged off1,072.00CCCharged off1,316.00CCCharged off1,455.00Student LoanPlaced for collection2,751.00Student LoanPlaced for collection7,632.00Student LoanPlaced for collection3,372.00Student LoanPlaced for collection635.00Student LoanPlaced for collection3,488.00Student Loanopen1,349.00Student Loanopen16,322.00Student Loanopen5,107.00Student Loanopen7,169.00Student Loanopen1,613.00Student Loanopen7,005.00Student Loanopen1,225.00Student Loanopen9,405.00Student Loanopen6,072.00Student Loanopen1,224.00CCIN COLLECTIONS3,016.00CCIN COLLECTIONS658.00CCIN COLLECTIONS1,403.00CCIN COLLECTIONS968.00HIS: Student LoanIN COLLECTIONS1,334.00Personal loanCharged off382.00Personal loanCharged off870.00Personal loanCharged off1,251.00Medical In collections180.00Medical In collections47.00Medical In collections866.00CCIn collections3,401.00CCIn collections514.00Grand total : 95KIts a mess, we do not know where to start. Anything is better than where we were. This is where it got me.  <response>: You might have incorrectly formatted line breaks. To create a line break, either put two spaces at the end of the line or put an extra blank line in-between lines. See Reddits page on commenting for more information.I have attempted to automatically reformat your text with fixed line breaks.--- Its a long and winding road of bullshit on how we got here. The worst part was my husband was along with me for the entire ride. Up until 2010 we had been on point with every Credit card or student loan we had. 2010 also happened to be the year that developed a insatiable appetite for painkillers, which inevitably led to heroin. It was a slow ramp of more and more late payments until our use was around 3-400 a day. More and more opened accounts, loans, borrowing from friends until we ended up under around 95,000 in debt. About a year ago, he had enough of that lifestyle. Checked into rehab and never looked back. Told me he loved me, but could not risk being around me if I was still living that way. I was devastated and fell even further into my own ways. It destroyed every connection I had to any family, friend, my husband and even myself. I valued nothing and no one except my next fill. 6 months ago I odd and woke up in the hospital. There was no one to call, no one to ask for help. Nothing. The moment the nurse cam in I told her everything... It was like I could, finally say all the things I was terrified people knew all along. She gave me some contacts and I checked into rehab myself. Fast forward to 2 months ago and My husband and I are working through things. Its exhilarating to be out of that haze, but terrifying at the same time. Each of us, focuses on nothing more than staying sober. Everything, EVERYTHING comes after that. We have moved well over a dozen times in the past 6 years, changed jobs continually and the phone numbers came and went time after time. Im positive bill collectors have been after us the entire time, but I havet heard a thing. Nothing else mattered. I cannot describe how exciting it is to see the grass again, the trees... people... For years those things were background noise to my addiction. Now I savor every minute I am sitting in traffic. Just being alive is the best thing thats ever happened to me. You can be mean, nothing you could say would ever inflict more damage than I have. Tell me we shouldnt be together... I have heard it all. I deserve it. Were both guilty, but we want to fix this. Just have no idea where to start or what our options are I dont want to go into detail anymore about our past, reliving it serves me no purpose. I wouldnt wish it on my worst enemy. The things I have done... I just dont want to be there ever again. So where do we start... what do we do. I have both of our full reports from annualcreditreport and its just a wasteland. Not a redeeming quality between the two. Finances break down like so: My monthly income : 1350.00 on a bad month His monthly income : 3100.00 on a bad month Total income per month 4400.00 Rent : 1200.00 we both work in the city Phone : 125.00 month go phones no contract Electric : 150.00 average Assorted: 130.00 gas, internet, water, sewage, trash pickup and parking. All part of the rental agreement. Food : 250.00 Transport : 75.00 Both use public transport or drive occasionally, but the car is paid off Car insurance : 75 Debt breakdown between the two of us: Mine: CCCharged off1,500.00 CCCharged off1,072.00 CCCharged off1,316.00 CCCharged off1,455.00 Student LoanPlaced for collection2,751.00 Student LoanPlaced for collection7,632.00 Student LoanPlaced for collection3,372.00 Student LoanPlaced for collection635.00 Student LoanPlaced for collection3,488.00 Student Loanopen1,349.00 Student Loanopen16,322.00 Student Loanopen5,107.00 Student Loanopen7,169.00 Student Loanopen1,613.00 Student Loanopen7,005.00 Student Loanopen1,225.00 Student Loanopen9,405.00 Student Loanopen6,072.00 Student Loanopen1,224.00 CCIN COLLECTIONS3,016.00 CCIN COLLECTIONS658.00 CCIN COLLECTIONS1,403.00 CCIN COLLECTIONS968.00 HIS: Student LoanIN COLLECTIONS1,334.00 Personal loanCharged off382.00 Personal loanCharged off870.00 Personal loanCharged off1,251.00 Medical In collections180.00 Medical In collections47.00 Medical In collections866.00 CCIn collections3,401.00 CCIn collections514.00 Grand total : 95K Its a mess, we do not know where to start. Anything is better than where we were. This is where it got me. ---I am a bot. Contact pentium4borg with any feedback. 