<prompt> Human: So Ive gotten myself into a bit of financial trouble and am hoping to get some advice about what my next step should be. Im trying to get my finances back in order, but am unsure of the best way to do that. Here is my situation:-I have about 16,000 in credit card debt.-I have maxed out and am over the limit my cards. I dont have any credit left available to me.-I owe 1700 to utilities-The minimum payment on my debts are around 750month-My rent is 1000month-My monthly income is approximately 2000month-The only asset I own is my car, but it is only worth a couple thousand dollars.-I live in Los Angeles, CAI am in a lot of debt and am barely able to keep up with the minimum payments. My credit score has dropped drastically and I dont have any credit left. I need to make a change fast, but am unsure of the best way to do that.I am planning on taking a second job to increase my income. I would also like to consolidate my debt, but I dont know how to do that without any credit or assets. Are there any government programs I might qualify for to help me refinance my debt? Should I try to renegotiate my debt? Would it be worth the hit my credit would take?Any advice you guys can give me would be greatly appreciated. I know that Im in a bad spot, but I am trying to get everything back under control. Thank you so much for you help.  <response>: Make a full budget. Post it on here with the amount and interest rate of every debt you have. 