Hi, we are $ 165000 in debt, we can make repayments but live from pay to pay with no savings, no assets. What are our options? Thanks

Look into a consolidation loan using your home as security, you can lower your overall payment, the first step, start to pay yourselves something, anything and put that money away. Secondly make your payments if you have anything left start to pay down that loan. If you weren't able to consolidate all your payments pay the new mortage first and then the other loans and once these are paid then with anything left use to start prepaying the smallest balance off. Once that balance is paid take the next smallest bill and pay it off and continue doing so. Remembering to always put something aside for savings. It's hard work but the rewards will come if you keep to your plan. Good Luck.