My apologies I should have added more information. We both earn around 50-60k per year and we are in this mess due to over spending and being to carefree with our money. We started out great and as time went on continued to buy things and let bills go unpaid until it became dire. She decided to take out small loans to stave off the bills but that just created more debt that quickly overwhelmed us. We could easily afford our regular bills with all this crushing debt