I need some serious help fast. I work 2 jobs get ssi and my wife works and we still don't have any money at the end of the month after bills and even then not all the bills are getting paid. Some are medical some are things we didn't need and other are loans for vehicles that we had to have to get to work. I will not file for bankruptcy because I did that once already in 1996 an it is just now startin to disappear from my credit report my credit score is around a 570 and I really want to get it higher not lower. PLEASE HELP ME I'M DROWNING!!!!!!