<prompt> Human: I am a 25 year old man who has around 13k in debt. Credit cards. I recently got sued by discovery bank. I dont have money to pay them or any of my creditors. I talked to my mom today and we both agreed that filing for bankruptcy is my best option. I cant allow creditors to garnish my wages. I can barely cover my cost. I live in the Bay Area. Expensive. I went on google to learn more about bankruptcy but I cant find a definite answer. What are the steps to file for bankruptcy? Like what forms do I fill out and where do I send them. I also cant afford an attorney. If anybody can guide me towards filing for bankruptcy I would greatly appreciate it. Im a noob when it comes to finance. Thank you in advanceEdit post: I want to thank everyone who has commented with some advice. I just got off the phone with the California debt relief program and my total debt was 19k. They are helping me out and soon I will start paying 266 which is not bad to get that debt out of my life.  <response>: A do-it-yourself bankruptcy is a terrible idea, figure out a way to make some more money and spend less. 