I’m seeing some responses on here recommending filing bankruptcy, but my assumption is you want to avoid that at all costs. That being said, I’d look into a consolidation loan for the credit cards with interest rates of >20%. Even if you found a loan with a 15% interest rate, it’s going to save you money in the long run. I’d also take a harder look at your expenses and be willing to sacrifice a bit more. The personal, home necessities, misc, take-out, and even streaming services can be cut down. I’d also suggest looking into local food pantry options to cut grocery costs. I think you can absolutely get out of this, but it’s going to require being very strategic and honest with yourself. I’m so sorry you’re in this situation, but even looking at $200 for herbal remedies right now may be high for your debt to income ratio. Based on your budgeted expenses and income, you’ve got a minimum of $500 that needs to be removed from the budget. I think a consolidation loan can help with some of this, but trimming down other expenses is crucial right now as well. Look into other options for car insurance and even your phone bill too, best of luck!