<prompt> Human: Im in debt for 550,000 approximately. I have 19,000 in credit card debt, 80,000 in student loans wont discharge under bankruptcy 31,000 owed between my two cars I still pay on. 410,000 between two homes. I have one up for sale now. I bring in about 7,000 a month but have 2,400 in monthly expenses food bills, leaving 4,600 to pay off debt, mortgage, etc.The good news is we have a home up for sale that once it sells I should be able to use some of the proceeds to knock the car debt in half. The bad side is this is a load of debt I have accumulated thinking I would be able to pay it off and just got overwhelmed without realizing what I was getting into. It never clicked at the amounts like can I really pay for this? Now I here wondering if Bankruptcy Chapter 7 or 13 would be worth it or continue the pain and continue paying things down and continue behind on payments.  <response>: Sell a house.Sell a car.Cover the car deficiency and credit card debt with the proceeds from the house.You do not need two 31K automobiles to get to the office. 