<prompt> Human: Hello PF, long time lurker, first time poster. Without over-saturating you with details, Ill put this very plainly. Im 23, I currently live rent-free, I work full time in sales with a monthly salary of about 2,000-3,000 a month depending on my commission check from the previous month.I made some very, very poor financial decisions shopping addiction is a real disease and Ive put myself into about 19,000 worth of credit card debt. Ive been stuck in a cycle of paying them off and charging them up, and Ive finally learned a very hard lesson. My credit score is 620, Ive never been late on a payment, and I currently have a joint auto lease with my father. Ive been thinking of filing for bankruptcy and Ive talked to a few of my older, close friends about it and they all agreed that it seemed like the best option for me. My question for PF is in order to file bankruptcy, do I need to be delinquent on any or all of my accounts? How long does it typically take to bounce back from a bankruptcy and what are my life long consequences of this decision? Also, will I lose my car? Or is there I something I can do to keep it?This is my first post, so if theres any information Im missing please feel free to ask.BudgetCar - 230monthInsurance - 160monthMonthly Minimum PaymentsAffirm - 640 - 80moAmazon Store CC - 605 - 25moAmEx - 985 - 35moAmerican Eagle VISA - 2,430 - 75moBarclayCard MasterCard - 55moCapital One - 3,405 - 135moChase Slate - 1,867 - 60moCredit Union CC 2,350 - 60moDiscover - 475 - 35moJCPenney Store CC - 1,343 - 40moMacys Store CC - 1,111 - 30moTarget Store CC - 450 - 25moTJX MasterCard - 2,119 - 75moWalmart Store CC - 2,674 80moInstallment Loan 2,500 - 70moMonthly Minimums Total: 880monthTotal Debt: 21,705Other expenses:Gasoline - 180monthCellphone - 120monthTotal Monthly Payments: 1,570monthSide note: I should clarify that I currently live at home with my dad, so I do not have grocery or utility expenses, but I do dine out 3-5 times a month.  <response>: a monthly salary of about 2,000-3,000So at lest 24,000 a year. Which makes your debt is less than a years salary.No, bankruptcy is not the answer. Credit counseling is.If you file for bankruptcy without changing your habits youll be right back here again in 3 years. 