<prompt> Human: Hi, you guys are uncompromisingly helpful and smart. I think at this point Im pretty familiar with my options, but was looking for advice on what my best option is. Long story short, I built up a ton of personal loan and credit card debt due to gambling. Im done with it, and seeking help to keep it that way. Luckily, my SO is incredibly forgiving and loving and is willing to assist me in getting out of debt. Our incomes and expenses are, monthly and including both of us: Monthly After-tax income: 9700 Household expenses electric 100gas 20internet 65maintenance fee for our building 7352 cell phones 125groceries 250netflix 11pet care: 50cash savings: 250Total: 1511Disposible income for dinnersentertainment but frankly we can throw more of this at debt: 750Mortgage payment on 300,000 loan on property worth 600,000 at least at 3.625: 1577Total on those expenses 4077That leaves about 5600-6000 a month to pay off debt Now, the ugly stuff, the bad debt... Im not delinquent on any but am over the limit on a few, and have had late payments and missed payments before. I dont foresee having to skip payments anymore: Credit Cards9999 23.99 bank of america4844 16.99 bank of america6092 17.24 bank of america15915 15 Amex 13306 16.24 Barclaycard1575 19 Amex1963 16.24 Chase6142 20.24 Chase18836 336 over limit 16.24 Citi9439 2439 over limit 20.24 Citi10569 26 Comenity 5463 18 Paypal Credit Personal Loans: Marcus Loan 7690 21.99Amex Personal Loan 12717 14.97Grand Total: 124,549 Now, my credit is pretty low now 534 or so, I know that with just paying as much as possible each month avalanche-style to the higher apr cards, it could be gone relatively soon. I want to know if I should consider a DMP. Im actually going to talk soon with a guy from National Debt Relief soon to see what my options are. Im not going to get into anything without being positive of the possible negative impact. But what say you Reddit, should I plow ahead and just pay it off, or would it be wiser to go with DMP or some other plan you can think of. My monthly minimum right now is around 4211. Any other tips? Many thanks.  <response>: 1: Get into GA. Like, yesterday2: Cut up every single one of those credit cards. Cut them up and never get one again3: Sellreturn anything you can to get them off the cards4: Call up every single CC, close your account if it is still open, and ask if you can get on a payment planget an interest rate reduction. Thats all those debt relief people are going to do for you. You can do it yourself. 5: Get a second job, and put every penny towards that debt. 