<prompt> Human: So I moved to a new city alone. Everything was going smooth job wise and money wise. Until I relapsed on drugs. I have now lost my job, am behind on my rent, my checking account has been over drafted 500, and I have taken out 2 installment loans which I probably will not be able to make payments on. Am I able to get a credit card to pay all of this stuff off right now to not worry so much? Do I have other options?  <response>: I would worry a lot less about the loans and whatever.You need to do 2 thingsStay off drugs.Get a job.The rest is all manageable if you do those things. You can even declare bankruptcy if needed. But that isnt going to help if you have no income or a relapse. 