<prompt> Human: Hello Friends,So long story short, my wife and I are in about 30k of debt. 20k from credit cards and 10k from a short term loan that was poorly researched.The loan was for a small business that we had started but ultimately could not sustain at the growth ratemargins we had.I spoke with a bankruptcy lawyer Chapter 7 and 13 I believe and per them, we make too much Gross Just shy of 100k per year combined compared to how much dept we have therefore they do not recommend applying for bankruptcy as it would most likely just waste money we dont have to be rejected. We are genuinely at a loss for what to do next. We have about 200 more in bills than we can afford to pay we have cut cable, but we need internet and phone for our jobs. We are not going out to eat, doing our best to keep the electric bill low etc...We are even at the point where we may need to limit our daughters daycare days, which would save us about 200 per month.Is there any viability in letting one or two of our current CC bills go into collections so we can focus on paying down one of them snowballing at a time? Any assistance would be incredibly appreciated.Thank you all!  <response>: You need a budget. With this level of income, this is completely manageable debt. Live on the national average household income 50K and pay it off in a year. You dont know where you money is going.It would be a crying shame to declare bankruptcy over this small amount of debt. 