Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

High credit utilization, some high interest - but credit score not overly bad. How to attack debt in this situation?
The bottom line is you have an income problem.  Your car payment seems very high relative to your income and your income is very low relative to your debt.  Can you work extra jobs or start a small business to get that income up?   In the US it would be fairly easy to work some part time jobs to get that income up about 1000 per month.  With that kind of difference you could have this all knocked out (except for the car) in about a year.  Then, six months later you could be done with your car. Most of the credit repair places are ripoffs in the US and I suspect it is similar around the world.