<prompt> Human: Im 36. Zero savings. Zero investments. Zero assets I drive my moms car. I dont just have my debt, I have a moral obligation to pay my moms as well. Backstory:Went through an expensive divorce that I paid for entirely on credit cards and personal loans. Divorce had a devastating psychological effect, and I lost my job as well and changed careers. I was unemployed for nine months, but didnt collect unemployment I filled out a form wrong, apparently. I moved in with my mom, and started using her car shes very sick and very old, so the relationship is symbiotic, and she doesnt use her car. Beyond that, in a borderline suicidal state of depression, I continued racking up debt; spending money distracted me from suicidal thoughts. Fast-forward three years, Im a single father of three kids and I somehow climbed my way to a good job with only a crappy academic degree, making 75kyear plus an annual 7 bonus. Still struggle with severe depression and anxiety, but its more manageable, now that I have a job with decent pay.Because my mom covered my living expenses while I searched for a job, and because all of my debts are delinquent by over 1.5 years, I am prioritizing her debt over mine. Here is the full breakdown of debt:Mom debt that I take responsibility for:27k car loan her car was tiny, she bought one that better fits myself and three older kids12k credit card9k credit cardTOTAL: 48kUXL debt:13k loan credit union13k credit card9k credit card4k credit cardStudent loans: 45k these cant be bankruptedTotal with student loans: 84kAdditional issues to consider: I really need to get my own place, and my own car. My mom will give me hers, provided I pay off the loan. But my credit score is obviously trashed. I dont qualify for any loan consolidation plans other than a Greenpath solution that is something like 1500month and I think that just goes into a fund for debt settlement attempts, for which there is no guarantee of success. I feel like the quickest path to financial recovery is to file for bankruptcy, focus on my moms debt, then focus on savingsretirement.However, somewhere in that mix, I need to figure out what Im doing about my living situation...again, three kids. I cant continue staying with my mom; she needs to sell her place and move into assisted living.What say you? Your advice is my last ditch effort, and Ive already called a bankruptcy lawyer...Bonus: When can I possibly hope to retire this late into my life? My work offers a 401k and pension program. I live in the Ann Arbor, Michigan area for cost of living considerations. My job is solid, at a large company, and Im great at it - no worries of losing it.All tough stuff to admit, even mostly anonymously. I appreciate any advice. Thank you.Edit 1: I forgot to mention that I also owe 6k in income taxes from a contract job that wasnt taking taxes out last year... Also, I will provide a second edit with my budget when I get home.Assistant: Your loan numbers are not adding up. I get 132k in loansHuman: He has 84K and his mom has 48K on her that he feels responsible for.Assistant: Yeah, Im not understanding this. Its not like he can declare bankruptcy on behalf of his mom even if he does feel responsible for her debt?Human: I was thinking of bankruptcy for myself, to avoid wage garnishment, and focus all extra money on her debt.  <response>: I dont think the courts are going to let you bankrupt 39K of debt on a 75K salary. Your moms debt doesnt mean anything in the eyes of the law. 