<prompt> Human: Hello everyone,I have a very rough year and a half where I needed to miss a ton of work and it kinda of snowballed. I originally had 15k in debt that I was paying off and was making progress on but because of everything it has snowballed into around 44,600 worth of credit card debt.I have just come back to work after a long while but now this month I dont have enough money to pay off my minimums while paying off utility bills and such.Without missing any work, I make roughly 43,000 a year. Im actually up for a new job which would guarantee at least a 25 increase but for now its just that 43k. Monthly I take home roughly 2,500-2,600 after taxes.Heres a break down of what I owe:- Credit Card 1: 18,200 minimum payment 432- Credit Card 2: 14,200 minimum payment 301- Credit Card 3: 10,200 minimum payment 324- Credit Card 4: 2,000 minimum payment 90Totals: 44,600 1,200 minimum paymentsNow taking into consideration bills I dont pay rent fortunately: 325 car payment, 44 phone, 90 internet, 25 water, 180 car insurance and 200 light bill more or less.So my total adding up 2,064. So every month is I have around 400 to spare for other things gas, food, etc.I just came back from leave and going into this month I have 353 in my bank account, no savings what so ever. Next payroll Ill only be getting 8 hours worth of pay, followed by a full paycheck on the 25th of August 1200-1300. So at most this month Ill have 1600 which puts me at a -400 for bills or credit cards.I am freaking out. Ive never made any late payments or have had any sort of financial instability prior to this. I will have been late on 3 of my credit cards by the 25th when I can make payments.I am sure I can pay off my utilities with the credit cards for this month so I can at least make all the payments.What should I do about these payments that I cant make on time? What advice do you guys have for my situation in terms of the debt Ive collected over the years? Is it past the point of no return?I tried contacting my credit card bank this morning for possible hardship program but I got denied.Help. : UPDATE: link!UPDATE 2: I got a job offer at 53,000year at another company so this will help!Assistant: 325 car paymentGet a cheaper car, to start with. You cant afford that one. 200 light billYou need to get that down. Run your AC less, turn off lights. That is an insanely high bill for just you, or even you and someone else. I dont even pay that much for a 2-story, 1500sqft house.Cut your expenses and up your income. Take another job, even just something part time. 15-20 hours a week would make a big difference.Human: Generally speaking the electric bill isnt that much. Its usually around the 100 range. The summer months have caused it to go up a bit Im in a house with 5 other people. The car Ive made enough advanced payments since Ive owned it that I probably dont need to make a payment for at least a year. Id still like to include it into my budget though.Assistant: Wait you are in a house with 5 other people and pay 200 in utilities? Is that split evenly? Human: I am the sole provider for the household. The only thing I dont pay is rent which is split amongst the rest of the family.  <response>: This is the root of your problem. Someone else needs to get a job. 