<prompt> Human: Hello, PFers. This is a pretty long-winded post, so I apologize for that in advance.Im in quite a pickle. Ive been living above my means, and very irresponsibly for the past few years...I maxed out a few pretty small credit cards, got a 5k loan from Avant, and a smaller personal loan through a local finance company. I was doing OK paying the minimum payments which I know was not sustainable, until December of 2015 when I bought a new to me car. The car payment and insurance payment were very much out of my budget. I started claiming 10 on my taxes in 2017, but that wasnt enough, so I stopped paying my CC bills. I continued to pay my Avant and LFC loans. Fast-forward to now, when Ive been ignoring debt collectors since I stopped paying. Ignorance is bliss, right? Well, thats all fine and dandy, until you get served by two collectors less than a month apart. What a reality check...the first creditor was Capital One, suing for 1700. Second is Midland Funding, suing for 1700 as well, on behalf of Synchrony Bank. I made payment arrangements with CapitalOne to avoid garnishment, then the second summons came...and I dont know what to do about it. Midland holds three of my collections, and theyre only suing me for one at the moment, so Im sure the other two will come after this one gets taken care of.In addition to the CCloan debt, I have 13k in Student Loan debt and owe 9500 on my car worth 7k ish. Additionally, since Ive been claiming 10 on my taxes, I estimate that I owe the IRS about 2500.Heres a little table with debt straight from Experian CR, may not be 100 accurateCreditorAmount:--:----::--Avant2,459CapitalOne1,835Amazon1,000Care Credit1,000PayPal3,200CITIBANK N.A.1,753SYNCHRONY BANK1,009SYNCHRONY BANK1,417Total13,673My expenses are pretty low right now, I recently started living with my grandparents and am working around the property for rent. I sent an ACH authorization revocation to Avant, while I figure out what to do, so its not listed in the expenses, otherwise its 212 monthly. Heres a table of my monthly expenses, minus food and gas, which are pretty variable:Expenses:----:Car Payment272Insurance100Cell Phone100Gym20CapitalOne150Netflix12Youtube Red10Total664Im currently working 37 hours per week, making 13.50hr. Ive been netting 900 ish because Im claiming 10, but after this pay period, Im going to adjust my w-4 to claim 0, so I expect my net to be closer to 750. This will leave me with about 600 month before dealing with the summons from Midland.Id really appreciate some direction here. The summons have me feeling like I dont have many options, so an outside perspective would be really great. Thank you.P.S. - I know I got myself into this mess, and that Ive been very irresponsible. Telling me that wont be helpful, but advice on how to start being more responsible will be, so lay it on me if you have any suggestions. Cheers :  <response>: The first thing I would do is increase your hours. You are barely working full time. If you increase your income 50 by picking up 23 more hours of work a week you will be out of the hole in no time. Then you need to actually be strick with yourself and stick to a clear written budget.Do you need a car? 