As others have said, you really should consider bankruptcy. If you are absolutely against it, the only other option is to bring in more income.
You make $2400 a month (I always budget with lowest pay)
$600 to ex for kid
$1379.56 minimum for loans
$481.80 minimum for credit cards
That leaves you -$61.36 a month. You haven't told us your rent, utilities, food, car, etc expenses. Consolidating will not increase your income. Bankruptcy however will give you a fresh start. My brother did it after an emergency surgery sent him way over his ability to catch up and it really only affected him for the first 2 years. 10 years later, he is happy, healthy and has more buying power than he could have thought was possible.
UnSafeButterscotch t1_iy5so0x wrote
Reply to Debt Consolidation or Debt Relief? by SwpDevil
As others have said, you really should consider bankruptcy. If you are absolutely against it, the only other option is to bring in more income.
You make $2400 a month (I always budget with lowest pay)
$600 to ex for kid $1379.56 minimum for loans $481.80 minimum for credit cards
That leaves you -$61.36 a month. You haven't told us your rent, utilities, food, car, etc expenses. Consolidating will not increase your income. Bankruptcy however will give you a fresh start. My brother did it after an emergency surgery sent him way over his ability to catch up and it really only affected him for the first 2 years. 10 years later, he is happy, healthy and has more buying power than he could have thought was possible.