<prompt> Human: Im really disappointed. I was working on my credit, my credit score was improving for the first time, I had paid off what little bit of student loans I had from my one year of college, and my credit score was finally starting to cross over that 600 line. Then in September, I tried committing suicide and came 5 minutes from succeeding. If my girlfriend hadnt of come home early, I would have died. Unfortunately my little stunt got me Baker Acted and I was basically held against my will and transferred to the crazy ward in a mental facility, despite actually being fine after my incident I mean not fine, but stable. One week in the hospital and a few days in the mental hospital and I now have 50,000 in debt maybe a little less that Im sitting on. Almost all of my bills have gone to collections as I cannot afford them I couldnt even afford health insurance. This has honestly kind of just made me more depressed. I didnt even receive any therapy while I was in the hospital and I wish that I would have at least gotten a couple sessions with a psychologist while I was being held against my free will. Im desperate. All these bills are starting to hit my credit report, and my credit score is plummeting, and I feel so discouraged and depressed about this. I wanted to save up for a motorcycle and go back to school to finish up my degree in piano, but Im starting to fear that Im going to be broke and be a server the rest of my life. I really have no clue what to do or where to start. I never thought that having mental illness would be the reason why my credit was ruined. Should I file bankruptcy? Any advice would be greatly appreciated.  <response>: You could default on the debt, but bankruptcy would be a cleaner way to keep them from attaching your future earnings. 