Thanks for the quick response. Well here are the other bills:
Rent - $800
Utilities - $200
Insurance - $50
Not sure, but I know I'm leaving something off. As it is right now, I'm paying $400 a month on Citi, which leaves enough to make the minimum payment on B of A and HSBC and a little left over to eat and put gas in the car. Not sure what you mean by lifestyle, but I don't spend any money on anything. I don't go out to eat or party and I don't have spending money to play with. I'm not able to take on extra hours at my current job and haven't had any luck finding another job in the past 7 months. I have a girlfriend that I live with, but she was recently laid off and has been unemployed for three months. We get about $300 a month for her unemployment. I don;t really have any tangible items to show for all of that debt. As incredible as it sounds, most of it was accumulated when I was in my teens, when I did all the partying and eating out and road trips. I've sold what few items we could do without but it didn't really put a dent. Is debt consolidation a viable option? Does that hurt more than help? Thanks again for the help.
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