<prompt> Human: I am giving a somewhat longwinded synopsis of my familys financial situation here in the hopes that I can be guided to the appropriate type of financial counseloradvisorfirmwhatever to help get things in order and move forward in the most constructive way. We would like to speak to someone in the next 1-2 weeks locally to figure out what our options are and the implications of these options bankruptcy, debt consolidation, etc, both short term ability to stay afloat and long term getting a mortgage, buying a car, etc, and how this would affect these sorts of things down the road.I am a 34 year old physician. I finished training last year and finally started pulling a decent income after giving up my 20s to the field... as an aside, at least I love my job and look forward to every day and every patient I see at work. My income is 290kyear really 310k but 20k is required to go to a 401a, so I am not including it. My income will increase by 20k next year, and probably by 50k or so the year after; what happens after that is irrelevant at this point but suffice it to say it will not decrease from then on.My wife is a homemaker, though she recently started her own company with literally zero overhead all overhead to start up has been spent; I anticipate that income from this venture will be negligible for the next 2-3 years.We have a 16 month old daughter.Educational debt for me is around 250-300k, and for my wife is around 75k.Our total credit card debt is around 60k. Interest rates average around 13.I have a professional private loan with a balance of around 30k, with an interest rate of 14.5 higher than any of our credit cards, surprisingly.We have no assets to our name aside from some furniture. I previously had a mortgage but sold the property. We have two leased cars would cost 15000 or more for each to return them now. We have no savings. I do have a small amount in the 401a but the amount is negligible at this point. We have no other retirement at this point.We do not have enough cash on hand to afford a move, even local.Our credit cards are at or near maxed out. Our checking account balance is around 1500.Basically, starting next year, if expenses do not change, we would be able to begin paying down 1k per month on credit card debt. However, this assumes that we dont have any more kids wife is 36 and time is limited, our current baby doesnt become more expensive they always do as they get older, and nothing catastrophic happens job or health wise. In any case, we cant make it to next year without bottoming out and basically completely running out of money. In fact, we cant make it to May of this year. We are losing 1500month currently though after I hit the maximum taxable for ssmedicare, whichever, we will be down closer to 750mo with current spending once those paychecks start coming in; irrelevant at this point.My credit score is 680, wifes is around 700. I have never missed any payments on anything and have two credit card accounts that are 13 years old or older. My score is low due to balancelimit ratios and balanceasset ratio.I believe that with my wife, after even the most serious conversations, our overall expenses will not drop by any appreciable amount; perhaps 200-300 dollarsmonth could be saved of what you see on the spreadsheet linked at the end of this post...Before marrying 4 years ago, my financial house was in complete order, and now it is in disarray at probably a 7 on a scale from 1 to 10. Hopefully we can find someone who can lay out all options for us to move forward and begin paying debts down... any advice on what type of advisor to seek or how to go about finding them would be most appreciated. We are in a small metro market Greenville, SC area, but hopefully an appropriate resource is available somewhere locally. Thank you for any help you can give. If any other details of our finances would be helpful to any of you in guiding us to the right resource, I can provide them if requested.Our January 2016 budget spreadsheet, with amounts of expensesincomeetc  <response>: So you spend 1900 on cars and somehow 2500 on a baby with a stay at home mom and 1000 on food. Jesus. Two seconds into your budget I can see your problem. Stop spending so much god damn money. 