<prompt> Human: Long story short I quit my job and was unemployed for a year but had some money saved up. Ended up using all the funds and maxing out all my credit cards due to depressionanxiety. I have not been late on a single payment yet. But about to be in a month. Here is the overall breakdown: Monthly Rental Bills: Gas: 50 Power: 150 Internet: 50 Rent: 1085 Phone: 100 Water: 35 Car Insurance: 230 Total: 1700 Debt: Car 7 APR - 350 Monthly , 14,800 Left CC1 20 APR - 300 MIN - 11,000 CC2 18 APR - 70 MIN - 2,700 CC3 24 APR - 150 MIN - 6,000 CC4 16 APR - 80 MIN - 9,000 , 0 APR until July CC5 24 APR - 80 MIN - 2500 , 5 APR Until July CC6 27 APR - 50 MIN - 1600 CC7 20 APR - 60 MIN - 1800 Monthly MIN - 1140 - Total CC Debt 34,600 Total MIN Monthly 2840 Not counting food and gas for car 400 So 3240 roughly each month So how screwed am I? Current income is only from my wife which is only 1600 a month after taxes and I just grabbed an IT Cert and hoping to get started in IT. I can cover one more months minimums payments across so that leaves me good til beginning of May. In the meantime what can I do to mitigate the damage caused in the past year.  <response>: All these people telling you that youre bankrupt are frankly, dumb as fuck. Get a job and pay your bills. In this job market, theres absolutely no reason not to be able to get a job to get you 1600month clear thats nothing dude - you could make that at McDonalds and then all of your bills are paid. Go get a job. Any job. Tomorrow. Problem solved. 