<prompt> Human: I was once very stable with a regular job and an 800 credit score. In a few months of extremely irrational decisions partially due to bipolar mania, I have accrued 100k plus of debt. My credit utilization is over 100 due to interest and my score is around 350. I made some poor decisions in trying to pursue several business ideas, and am in a business that does not currently net me enough income to barely pay for my bread and butter. Most of the debt is from credit cards and was all accrued before they started closing my accounts by NovemberDecember of 2016. About 20k of what I owe is on a business account for my company that did not generate any actual income. Some also falls into a 10,000 unsecured loan to get my current business going that has an extremely high interest. All of the accounts are cancelled and many have been charged off. I am afraid to even answer debt collectors calls or even look into the tons of letters I have. I have totaled 2 vehicles around this time and do not have one to get around even at this moment. I feel contractually obligated to stay in my current position but can not for much longer. I tried a debt consolidation program that did not even include all of my credit card debt for around 850 a month and I could only keep up with one payment at the time.I need a lot of advice, partially legal as well. Are there any options in terms of debt forgiveness or settlement possibly besides bankruptcy? Im 29 with no assets. What I feel like is inevitable is to file for Chapter 7 but I want to see if anyone could give me some other words of advice. Anything possibly related to my condition?Thanks anyone for your input or suggestions.  <response>: Time to speak to a bankruptcy attorney. Unless youre pulling in close to 150 grand a year, it probably makes sense. That said, make sure that you address the underlying issues or youll wind up back here again. 