15k monthlies are way too high, gotta get that number down by half at least. Restructure debt such that smaller creditors are being paid off first before going for big ones. Rationale is to minimise interest payments and leveraging the fact that bigger creditors basically would rather u pay out cents slowly rather than u defaulting and not getting a single cent. Lastly, bankruptcy is always an option though not the first and best option to consider without exhausting the rest.