<prompt> Human: In college I made a bad decision, I got a credit card. Actually I got 5. Now its 5 years later and I havent paid off a single one and I havent been making a single payment in over 2 years. I literally can not afford to be in debt. I dont make very much money and month to month I am barely scraping by with not a cent for savings barely enough to eat. I already have one full time job and all my spare time besides is spent at a working internship so that I can pursue the career I love in the future. It isnt very much debt, only about 3000 but it has created such a looming hole above me that I cant do anything. I have no seizeable assets, no car, no house. I dont know what to do about this debt right now though. So my question is, what should I do? I have thought about declaring bankruptcy but I have heard that it is only considered to be truly worth it if you have a debt closer to 30,000. Although my debt is small it may as well be that much because I can no more pay off 3,000 than 30,000. I have also been wondering what would happen if I just told the credit card companies the truth, that I have nothing to give them and nothing for them to take, would they even sue me over the mere amount of debt that I have? And when talking to the credit card companies what is the best way to handle the conversation?  <response>: Absolutely DO NOT file for bankruptcy. You can get out of this hole, and you can get out of it quickly. The way you are living currently is NO WAY to live. There is good news however, 3000 is a small amount, and you can EASILY pay it off in a short amount of time. You have several options. Quit your internship. Those things come and go, you can find another one once you get rid of this debt that is ruining your life. You say that you are working 40 hours a week paid, and 25 hours a week unpaid. Do you have any days off, or are you working 7 days a week with no breaks, ever? If you get a day off, a morning off, an evening off go clean houses. Make a local craigslist listing saying that you are available to clean houses on Saturdays or whatever day and that you charge 25 dollars an hour. That is more than a 100 raise from your current job! Also, you could do it tax free! sorry, utaxmankeith If you clean houses for 6 hours a day, it would only take you 20 days of cleaning houses. If you cleaned houses for 6 hours a day once every other week, youd be done in a year.It sounds like you have your eyes set on a dream job, not your retail job. Go start applying for restaurant jobs. Become a waiter, or even a bus boy. Both those jobs get paid minimum wage, and you also receive tips. Both of those jobs would almost ensure that you made more money than 10.50 in retail.What it comes down to is how serious are you about getting out of debt? Do you want to be free from your debt, or do you just want to be a complainypants? Good luck. 