<prompt> Human: I have read the Read This First section but am still lost I have around 6500 in various debts. The collection agencies are baying for blood and I just dont have the money to give them but they dont care too much about that. I really dont want to go bankrupt for such a small amount but I cant keep living like this.I have a job but i only get 9 hours a week currently. That amount should go up in a month or two to a decent amount but that doesnt help me at the moment. I live in the city with the highest rate of unemployment in Australia so looking for work that will give me more hours isnt a viable option.Both companies that I owe money to have contacted me today and they want massive amounts off me; one wants the 3000 in full within the next 72 hours and the other wants the 3500 within a month. In addition, Ive just had a crash and written off my beloved car. I do get some money back from the insurance but not enough to cover the loans and if i used that money for the loans then i wouldnt be able to get another car for a long time, maybe years, which would impact both work and schooling.My options right now areConsolidation loan,except apparently my debts are too small to be covered by the leading debt loan people here in Aus, Bankruptcy, which i really dont want to do, orProstitution, which i think i could live with but im not super hot so i dont know if id get hiredIm really sorry if this is incoherant or rambling, im so lost right now and really need advice.  <response>: This isnt a huge amount of money, you can work your way out of it. The key though is working your way out. Where do you live? The mere fact you say city leads me to believe you can get another job. If you said small country town it might be a bit harder. Have you tried WooliesColesALDIIGA? Waitressing or bartending? I was once in a similar situation whilst at uni and worked two jobs plus studying to get out of it. Depending on the specific debts, payment plans may also be an option. 