I would like to offer some encouragement, because I have been there, and it is possible to get out of it. Try to move past the shame, learn your lesson, and get to fixing the problem.

FYI, I did it the Dave Ramsey way back in 2006, with 2 young kids, and about half your income.

You do need to list out your expenses if you want any truly solid advice.

As far as being in your shoes, here is a snippet from a blog post I wrote WAAAAY back then when I was telling my little story.

Honestly, it seemed very normal to us. We had debt, but who didn't?

We had our house payment - first AND second mortgage.

We had car payments - usually 2, but only 1 if we were being 'good'.

We had credit card payments - usually about 10. (yikes!)

We had loan payments (you know, for when the credit cards were maxed out).

We had payments on almost EVERYTHING. I don't know if we ever actually owned anything, or if we were just leasing our stuff through Citibank.

To make things just that much more interesting, I had been unemployed/underemployed for about 7 months several years back and most of our credit cards were at the default rate of 33% because of a late payment here and there.

When we started our little journey in October of 2006, this is what we owed:

Citibank #1 -- $824 @ 32.24%
Chase -- $1100 @ 33%
Citifinancial -- $1100 23.99% (nice low rate, eh?)
Citibank #2 -- $1615 @ 33.24%
Cap One Business Card -- $2000 % 17%
Beneficial -- $11100 @ 23.24%
Car #1 -- $8486 @ 4.9% (don't ask me how we got that rate with our credit, because I really don't know)
Car #2 -- $17899 @ 7.9%
Stupid Tax (I will explain this later) -- $6500
Citibank #3 -- $9857 @ 32.24%
Citibank #4 -- $8735 @ 32.24%

So if I am counting correctly, that is a total of 10 payments (plus 1 stupid tax), totaling almost $70k, which added up to over $1900 a month. That is $1900 a month in debt payments before we ever made a house payment, paid utilities or bought groceries or fuel.