<prompt> Human: I owe about 10k in CC, dont own a car, house, even a cell phone or iPod. I make 500month. I am unable to make more a month. I would happily damage my credit some if it would help here. Should I do that or a debt relief program 200mo for 3 years? I have a good housing situation, no need for a car, bad credit is ok, I just cant afford to be paying the six CC I have. Help!  <response>: I make 500month. I am unable to make more a month.This is your problem, not your debt. 