<prompt> Human: Thinking of filing bankruptcy because Im not sure I can ever pay off these credit cards. I got into this situation because I was not responsible with my cards...the first year with 0.037; APR kind of created a blind spot and I didnt realize how much the monthly payment would be. I never had much as a kid. I started making a little money, so I got a couple of good lines of credit and spent like a upper middle class family when we were probably just a middle class family. 32 yo, married 3 kids Income: 70k per year 47k in credit card debt 22k car debtMy budget breaks down like this: 1,270 rent 430 car 1,300 credit cards 1,200- ElecCell PhoneHealth InsuranceCar InsuranceInternetTV4,200bills-4900income646 left over.Ive blown through savings, now using the last of the credit I have to get by but Im about at my breaking point. Im current on the payments on all my cards. It seems like I dont have any other option because once I start missing payments the fees will get out of hand. I realize the mistakes I made with these evil credit cards and just not sure what to do to get out of this mess. Any advise would be appreciated.  <response>: My budget breaks down like this:Thats not a budget. Thats a list of your fixed-cost bills. A budget is prioritizing where you wantneed your money to go. 