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Pandasrqt t1_jegyx7j wrote

Okay, so if you are telling the full truth here this is manageable. But you NEED to get spending under control to get out of this hole. Getting on a strict budget and monitoring all non-essential spending should be step 1. Call the IRS and get on a payment plan for that $20k. Then prioritize all debts in order of highest interest rate. You can do this, and likely relatively quickly, but you need to get a handle on your finances.

There's no way you should be in this situation with your salary. Get a handle on things and get out of this, you can do it.