I think you missed the step of getting the interest rate reduced. OP makes over $80k, takes home $73k. Reduces rent to $24k or less a year. Living expenses another $20k. That leaves around $30k left to put towards hopefully only principal after negotiating. Side Hussle Uber gig, eBay side business, maybe $1k per month additional. Share a room somewhere save another $10k a year. As I said if op is motivated to avoid bankruptcy they've got a potential $50k to throw towards a not yet negotiated debt, which could be less depending on the cc companies willingness to work with them

Maybe but this is the first step, I used to live paycheck to paycheck until I created a budget, started exporting all transactions in to excel, learned how to create drop downs using data validation to categorize each line item, then sumif to total every group on the right, rent, groceries etc. OP biggest help is to keep rent at or below 33% of take home. So that's first step, second step op I would try to consolidate that credit card debt to a new card(s) at 0% interest for a year. Yes it will cost 3% or whatever to do so. If your credit isn't good enough for that I would call the cc companies and just say you're thinking about filing for bankruptcy, just to see if they will work with you and maybe only charge you principal, or lower interest rate. Goal is to try to get away from the 20-30% interest they're charging you. I would also pick up a 2nd job to chip away further. I think in 1 to 2 years you should have a major chunk of that paid off if you stay focused

$90k before or after taxes?