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[quote=Anonymous]OP, your expenses seem minimal to me.

Your are obviously being crushed by your debt.

You are early 40s and are in poor health. Your salary is not high.  I really don't think working 5 years of overtime is realistic for you to pay off this debt.

I would not be afraid of declaring bankruptcy in your case.

First - sell the car to get rid of those payments. 
Save up as much cash as you can and buy a beater car. Costs less to insure. Yes, you might have more repairs but so what?  You won't have $7200 repairs annually.
You need to own your car outright.  You can even stop making credit card payments until you get a car for cash.

Then make sure you have signed a year or two year lease at your current apartment.

Then declare bankruptcy and clear your other debt.

Keep paying the rent and utilities on time, religiously. You will build back your credit over time, and meanwhile, you don't need any more credit. You need to learn to live within your means.

Instead of paying $2000 monthly towards debt, start saving that money for a car repair fund, and for your emergency fund. It does NOT go towards anything "fun" whatsoever and it does not go towards your children, gifts, etc.

You MUST buy disability insurance.

Also work overtime when you can to help build up more of a safety cushion.

Once your debts have been cleared, you may go back to school IF your hospital is funding it. Try to get an education that will position you for a less physically demanding job that you can continue into your 60s though.

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