<prompt> Human: I am 25 years old female from San Francisco Bay Area. I am drowning in debt and I feel like I can not catch a break. No matter how much I work something always happens. I was not taught about budgeting, saving, or about my credit growing up. I didnt know anything, no one taught me. So from the second that I turned 18 my siblings talked me into getting phones from tmobile for us and they never helped me with the bills So that went on my credit and then again with verizon. I did not know that it will mess up my credit because I didnt even know what that was. I then went to school and got student loans and never paid them off because I lived on my own and had bills on top of bills. I then got my first car and paid that off sooner then I thought so I upgraded my car while living with a boyfriend and his family now is a ex. I also had got a apartment with my ex who did not help contribute with bills or rent and I just couldnt do it on my own so we had to leave our lease 8 months early. now on my credit. Me and the ex didnt make it so i couldnt make payments on my car and then they wanted to repo it I left it at my sisters house so the lenders could go get it but then my sister messed the car up and its in some mystery shop in San Jose and that is 16k on my credit or will be. I owe two banks for negative accounts from living with my ex. If your from the bay area then you know its expensive living here. Im constantly working just to pay the bills for the current month and I could never catch up or get ahead. I am now 7 months pregnant and when I was 5 months pregnant I was attacked in a park by someone with a metal bat and I now I have a HUGE hopsital bill. I feel like I could never catch a break and I can never catch up. Im constantly getting mail from collectors for credit cards, the banks, my car, my old phone bills. Im always crying because now I am pregnant and I need to get my life together so I can show my son how to save money and teach him the dos and donts about the things I was not taught. I am currently working but I am barely making ends meet, I started going back to school because I know once I finish I can get a better job then working these little customer service jobs for the rest of my life. I want and need to do better for my baby. And Im drowning in debt and all I can think about is filing for bankruptcy. I know that if i wanted to buy a house in my future it will be nearly impossible but living in San Francisco I do not see myself buying a house anytime soon not for many many years and that will probably be outside of the bay area. But I am not worried about buying a house. I am going to be a single mother and I need to do something so when I have my baby I am not stressed constantly about the debt I owe. I have no help from anyone, I have no one to talk to because everyone I know has bad credit or just does not care. But I DO CARE. I need something to change for the better, for Myself and my Baby. I will not get two jobs because I will need to go to school, I need to finish school and need to stop pushing it to the side. After reading my story do you think Bankruptcy is something I should do? Because I am not sure how I am going to catch up and pay off any of this debt.  <response>: So from the second that I turned 18 my siblings talked me into getting phones from tmobile for us and they never helped me with the billsYou seem to think thats because you werent taught any better. I also had got a apartment with my ex who did not help contribute with bills or rent Same. The reason you cant catch a break is because you make bad choices, from what you write here. And Im drowning in debt and all I can think about is filing for bankruptcy.How much do you owe, and how much income do you have, if any? I know that if i wanted to buy a house in my future it will be nearly impossible Right. Thats not something that you should be considering now. 