Credit card Miniums are maxing us out what are my options
Between my wife and myself, we have about 5 credit cards that are now maxed out. Our total CC minimum monthly payment is about 2,100. Our total bills, including these, are about $8100, and our income after taxes is about $7700. We have been over 30 days late with our mortgage, so refinancing is not an option, and my credit score has tanked. sitting around 500. Do I look at a non-profit to help, or a personal loan to group everything together? I want to try to get out ahead of this before it takes me down. Right now, we are late with one of my wife's CC payments and one month on our mortgage. Our mortgage is 3600, and our loan company will spread out the one late payment over 6 months to help, but we are already at a deficit. We probably have about 63k in credit card debt. If you have any ideas on what would be our best option, it would be greatly appreciated, as I am lost on what to do next.