<prompt> Human: So Im 20 years old and I live in Canada. I was working making a good wage in the oil and gas industry and then things got slow. Didnt work for 3 months and racked up 2 credit cards 6500, 5000. Im back working but hours are hard to come by and Ive got a 700 month insurance bill and 400month truck payment. I would say Im barely clearing 2000 a month at my job and it feels like Ive dug a hole I cant get out of. The only other bills I have is my phone which is about 100month. Need help.  <response>: 700mon auto insurance? 