[disneysteve]

So since 1999, you've gone from 177K in debt to 359K in debt plus the 2 cars. Can you tell us where that additional 182K went? What was that money used for? Is any of it stuff that could be sold, returned or otherwise gotten rid of to reduce the debt?

Clearly, there are a number of problems here but for sure the car payments of $1,058/month are sucking up almost 10% of your income. Are you upside down on your loan or could you sell the Jeep and get a more affordable car? You wife is stuck in a lease (or a "fleece" as we like to call them) so you may be stuck there unless you can use one of the services that will find someone to take over the lease. In any case, as soon as that lease ends, ditch that car and buy, don't lease, a cheap replacement. And why do the 2 of you need to own 3 cars? Downsize to 2 vehicles and you'll save on insurance, maintenance, registration, etc.

As for dealing with all the other debt, I think it comes down to really reigning in the spending to the bare minimum. No cable, no dining out, no vacations, no fancy clothes, etc. Sell everything you can sell.

Any chance your wife could increase her income? It is just her at home or are there kids? If she is there by herself, perhaps she could take on a second job.