<prompt> Human: I started betting on sports when I was 18 and now I am 21 and have maxed out my Wells Fargo credit card and Paypal credit as well and have worked up a 16,000 debt that I simply cannot repay. I am already meeting with a lawyer later this week. The only thing that is registered under my name is a car.If anyone here has any experience with bankruptcy and has even filed for bankruptcy, then please share everything. I need all the information possible.Edit: I forgot to mention in this post, but replied to upm_me_construction that I have stopped gambling for a couple of months and have been going to meetings and told everyone around me about this issue. And now we are all working on deciding how to tackle this debt.  <response>: Props for realizing you have a problem and getting help. While it might not seem like it at the moment, that amount of debt is manageable. I would not file for bankruptcy -- this will cause you so many more problems as opposed to buckling down, coming up with a budget, and busting your ass for a bit to pay of this debt. Best of luck. 