<prompt> Human: Hello, Im looking for some advise based on other peoples situations. I am currently a little over 49K in debt. My car is currently taking up 28K of that, but I cant sell it due to the value dropping to 17K. Throughout the end of last year and all this year, I have taken out 5 different loans. The first loan or two was because my credit was finally getting decent so I took them out just out of pure irresponsibility. At the beginning of this year, my room mate was fired from her job and couldnt pay for her part of the bills. This along with having a new girlfriend put me behind a lot. My savings slowly depleted and I took at other loans. One was to consolidate the first two loans plus some of my 2 credit cards. Several months after, I was living paycheck to paycheck trying to make ends meet and pay all bills. I took out another small loan to get a boost on rent and other bills. The last loan came several months after this for the same reason. Now Im in a big pinch with trying to get bills paid. I have been behind on most of them several times. Every time I finally get about caught back up, I fall right back behind. This has been a steady cycle throughout this entire year and I have been stressed every day because of it, hoping that eventually I can stay caught up. Several months ago, one of the loan companies sued me for being behind. I got everything caught up with them, but fell behind one more time. I, then, received a letter for wage garnishment. A couple other of the creditors are probably about to be in the same scenario. I just paid what I could, but it isnt quite enough. They are saying they need to be paid up by the 30th but that isnt possible. I have been looking into bankruptcy to try to get a fresh start and make a brighter future. Does anyone have any suggestions or advise on my current situation and what I should do? I just really want to be less stressed out all the time and be able to build a savings back up and be happy. Anyone been in a similar situation and filed bankruptcy? What came from it? Thanks for reading!  <response>: This is math. Some debts arent bankruptable, some can be settled. You didnt even list your debts or your budget. 