<prompt> Human: Please pardon my grammarBasically, heres the story:I recently left my 100 commission job auto technician, where my pay to hours worked didnt make good math. Typically I would work a total of 120hrs per pay period two weeks, but my commission was around 80. Commission rate was 16.50hr. The physical hours were quite a burden on my home life. Low income coupled with the death of my grandmother, my mother, and then my second grandmother all within a year of one another... and then theres the debt. Lots and lots of debt.So lets go over my debt situation. I owe 18,000 roughly in specialty tool debt required for my job. Pretty typical for auto tech spots. This costs around 700mo.I just recently sold my truck to avoid it going back to the bank. Only made 280 profit, but whats done is done.I have a little over 2000 in student loan debt, not like the crazy figures you see here but still, 50mo.My SO and I have a car we lease, and it costs 270mo. The payment comes out of an account automatically and direct deposit is adjusted accordingly.I have thee credit cards in my name, totaling 2800. Minimums are 50mo but I know minimum payments wont get you anywhere close to paying them off, only keeps them out of collections. Day to day bills:Rent is 1,300moElectric is 190 adjusted quarterlyInternets is 75Car insurance is 150Cell Phones 190.These dont include gas, food, and other random stuff that comes up terrible at budgetingI switched jobs for the sake of my mental health, and am now only making 15hr before taxes benefits paid. 40hrswk, and benefits paid. After taxes I bring home 1000 bi-weeklySO brings in 280 bi-weekly, which helps the financial burden.So now clearly the math doesnt work and I havent paid any debt with the exception of the lease and my student loan payment for going on two months. We had to move and pay deposits on a new place and all that Jazz. Bankruptcy seems to be the only recourse here and I have spoken to a bankruptcy attorney already about my situation. What tips do the financial wizards of Reddit have for me regarding bankruptcy and climbing out of the debt hole? If bankruptcy is the best option considering my credit is thrashed already, what steps do I take after that?  <response>: Other than the tools, your debt isnt so much the problem as your expenses are too high for your income. But, it is what it is. The question is: even if you declared bankruptcy, then what would you do? Youd lose the tools, youd have the same income maybe, or maybe less without the tools..., the same expenses that are too high. 