<prompt> Human: I get heart palpitations thinking about my financial situation and how it will affect my long term careerfamily plans.I screwed up hard. My current situation is that my credit scores is 460, I have 38k in debt, 12k being cc and 26k being to the government of Canada. 6k of the cc debt was accumulated when my parents took out loans in my name and then did not pay them back. By the time I graduated from university 4 years ago my credit was so bad due to the above situation that I said f it, I am not going to pay my student debt as it would be pointless as my credit is so screwed up.In the last 4 years I have tried various sales roles with the promise of big commissions to hopefully pay off the debt. But unfortunately that has not transpired. I am currently looking for a stable job so that I can have an income and go see a credit counsellor to work an arrangement to pay off my debts. Unfortunately 99 of jobs I apply to ask for a credit check.Is there a way I can explain to the employer my situation or am I screwed to be a dishwasher for the rest of my life?  <response>: Get a job in the oilfield, pretend like you dont make the money that you will, and pay off all your debt in 2 years. 