<prompt> Human: Good evening personal finance. I come to you desperately seeking any advice on how to climb out of 74k of debt. I want to preface this by saying that I have gotten my spending under control and I stick to a budget. Ill break everything down for you:Debt Credit Card One - 9,169 18 Credit Card Two - 8,878 17 Student Loans - 74,335 various rates Personal Loan - 3,000 Monthly Expenses Rent - 1,533 Student Loans - 510 minimum Personal Loan - 200 minimum Credit Agency - 310 Utilities, Insurance, etc - 452 Food, dog fooddaycare, sport league fee, - 755 Savings - 420 Cable, Netflix, Spotify - 163I get paid 5093.12 a month. I own my car out right. Im going through a divorce and have been paying my lawyer each time she sends me a bill. My wife lives in our house and pays for the mortgage that both of our names are on. I have about 10K 8K vested in a 401k. I only have around 2,800 in savings. During the summer of last year I decided to talk to a debt agency about my credit card debt. They said to stop paying the debt and let them negotiate terms. Its been months and Im receiving calls from one credit card multiple times a day and another card has been sent to a collections agency. I have paid the agency about 2,500 so far. To top it all off Im going to need at least 6k of dental work. There it is. Kudos if youve gotten this far. Should I attempt to negotiate with the collections agency and credit card companies myself? Should I consider bankruptcy? Should I just leave the country and start a new life as a simple bar tender?  <response>: Cancel cable. Replace with Netflix which you already have and Hulu Plus. Also cancel Spotify, deal with ads. That gives you 140mo which you can use to attack the debt.Also the amount youre spending on your dog seems high although its not broken out very well. Maybe you could cut that down.It sounds to me like the agency is a scam. I honestly dont know much about the industry but do you know more about they theyre doing for you? For 2500, I hope so. 