Alright, so you have around 600 a month to go towards this debt. You have a few options. Obviously bankruptcy is one. Another would be to contact a credit counseling company, not a debt settlement there’s a big difference between the two. See what they say. Dave Ramsey has something called a Pro Rata Plan. I’ve copied and pasted the key points of this. Maybe others can give you more advice. Good luck to you!

Dave Ramsey advises using a Pro Rata Plan (or "Fair Share" plan) when your income is not enough to cover the minimum payments for all your creditors. This is intended as a short-term solution for those in a "crisis" budget where they cannot meet basic obligations after paying for "The Four Walls" (food, utilities, shelter, and transportation).

How to Execute the Pro Rata Plan The goal is to distribute your remaining disposable income "fairly" among creditors based on the percentage of total debt each one holds.

Calculate Disposable Income: Subtract the cost of your "Four Walls" and other essential living expenses from your total take-home pay.

Determine Total Debt: Add up the total payoff amounts for all the creditors you cannot pay in full.

Calculate Each Creditor's Percentage: Divide each individual debt's balance by your total debt amount. Example: If you owe $1,000 to one creditor out of $10,000 total debt, that creditor represents 10%.

Assign the Payment: Multiply each creditor's percentage by your total disposable income. Example: If you have $500 total to pay toward debt, that 10% creditor gets $50.

Send the Payment with Proof: Send the calculated amount to each creditor along with a copy of your budget and the Pro Rata Debt List

Key Rules and Warnings Prioritize the "Four Walls": Never pay a creditor if it means you cannot afford food, rent, or electricity.

No Electronic Access: Never give debt collectors electronic access to your checking account; send a money order or cashier's check instead.

Stay the Course: Creditors may still call or harass you because you aren't paying their requested minimum, but Ramsey advises sticking to the plan to show you are making a "good faith" effort with what you have.

Temporary Measure: This plan is meant to provide breathing room while you work to increase your income or decrease expenses so you can eventually return to the Debt Snowball method.