<prompt> Human: 58,615. Thats how far in debt I am, only 9k of that is my car loan. Some of the balance is student loans, which I keep deferring. The rest is all in collections. Bad enough collections that my wages are currently being garnished 25 of my paycheck. I make about 2000 a month. Breakout of expenses:750 monthly rent, 330 monthly car payment. 125 cell phone bill. 50 electric bill. 40 Internet. 232 loan personal from a friend so it doesnt reflect on my credit scoreI cant even afford car insurance.Right now, after the above rent is paid with the first paycheck, other bills are the second paycheck to even it outIm living on about 460 a month.I also owe the IRS 1800. Which will also be garnished from my already measly leftovers.I dont need to be told how stupid I am. Trust me, I already know. Im so stressed my blood pressure is through the roof, Im not sleeping and my hair is falling out. I divorced 5 years ago, fleeing a bad marriage with nothing but two truck beds of stuff. Ive run up massive loads of debt getting myself situated and going through two moves to different states for my job.My credit score is 531. Theres no way to get a consolidation loan, and I have no collateral for one.Ive thought about moving to a cheaper apartment, but I cant even save up for first and last rent and deposit...its also insanely hard to find one that would accept my pets 3 cats.I need help. I have no idea what to do. I cant even come up with enough money to pay to file for bankruptcy...Please, any advice besides dude, youre screwed would me immensely appreciated!!!Assistant: 750 330 125 50 40 232 15272000 - 1527 463You need 150 for food, so 333 . You need to do something about the auto insurance.If the car is worth more than 9K, then selling the car is an option. Do you need a car? Otherwise, you need to pay for insurance.How much per month will the IRS be garnishing?Do you have a second bedroom in your place? Consider a room mate. Or air bnb.Become an UberEats provider. You car might not be good enough for ride sharing, but for delivery it will work. accept my pets 3 cats.3 cats is a luxury. Start thinking about finding them loving homes. Maybe look into fostering where the private agency will return the animals back to you once you are back on your feet. As it is now, if they get sick, can you do right by them? Bad enough collections that my wages are currently being garnished 25 of my paycheck.So debts are getting paid. This is good.It looks bleak to you. It looks solvable to me. It seems like before taxes and garnishment, you are making around 40K a year versus a 58K debt. 232 loan When is this paid off? You might considering accelerating your payments on this, because once it is paid off, that frees 232 each month to pay for debt and car insurance.Human: The car isnt worth 9k, and I need it. The IRS will garnish another 25. No idea when that starts. Probably soon.I have a second bedroom, but its my sons.My cats are not a luxury. They are family. Re-homing them is not an option. The loan is paid off in December.  <response>: If the IRS is taking 25 of your gross pay, then you will be under water: 50 of your wages go to garnish. You can stiff your friend on the loan, but if you stiff the bank on the car loan it will go to repo. So you wont be making the rent payment. Thus: My cats are not a luxury. They are family. Re-homing them is not an option.The 5 of you will be living on the street by September 1. 