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CasaLasVegas

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What Options do I have to get out of this cycle?
So to spare too much backstory, over the past 18 months due to financial emergencies, spouse having to find new work etc, we have become buried in installment loands and payday loans. While we have never defaulted on any of them, every paycheck has at least $600 going to just the principal payments to keep paying off/reloaning. (have to reloan because without doing so no other bills could get paid)

Have been trying to find a way out but seems hopeless. Family has refused to assist (which they shouldn't have to) and our credit is too broken to get qualified for anything half decent. (a lot of bad financial mistakes in the past).

We are at the point now where it's getting to become too much and is jeopardizing other obligations. a $5000 loan could clear them all out and with that we would free up about $1200 a month which would make it more than easy to pay off that loan regardless of interest rate. Stupid I know, but at this point I don't even care if I'm paying double or triple the loan back because one monthly payment of 5 or 600 bucks is easier to work with than that amount every 2 weeks and not actually getting out of it.

I have thought about bankruptcy, but honestly that is an absolute last resort that I don't want to travel. It's just that so far nothing is willing to provide a loan for us (one that will actually alleviate the debt and not just create more on top of it), and the debt relief things for their DMP's are saying they can't help since it's not credit card/standard loan debt.

Any advice, guidance on who to look towards would be helpful. We really don't know how long we can keep this up.

Credit score is about 564, a lot of hard inquiries over panicking to find something, 4 delinquent collection accounts on file (one i am getting paid, 1 is also a duplicate of the same debt as another that I am disputing)

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The only way to get out of the cycle is to get a 2nd or 3rd job. Practice the law of attraction and all good things will be easy to obtain. 

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