<prompt> Human: Hello, Im 20 years old and 1000 in debt but you already know that! I owe 350 to a collection account old college I used to go to and 650 to a seperate collection account gym membership I forgot about Im currently looking for a job, havent had any luck the past two weeks. I quit my old job about two weeks ago over a heated exchange with my supervisor. Wasnt the smartest moves Ive made; although, its already done. I have a 130 truck payment 1800 left on the loan, 130 full coverage insurance, and a 130 cell phone bill every month. For the cell phone, Ive already been up there and talked to them about lowering it but I am leasing the cell phone and cant get out of it unless I pay the rest of the lease payments and I need a way for possible jobs to contact me. I spend about 60 on gas every month as well. With a job at minimum wage I typically make around 800-950 a month. Obviously my plan would be to eradicate this collection debt immediately. How can I do this effectively? Im not willing to give the truck up either, my smallish city doesnt have an elaborate public transportation system and its cheaper and smarter to keep the truck in my opinion. Thanks for your time!  <response>: Besides the obvious advice of a job, check this out. 