<prompt> Human: I have about 2500 to my name in cash and no other assets aside from what fits in two carry-on sized pieces of luggage. Interest rate on debt is absurdly high since about 13 of the debt is from cash advances. Four different credit cards with no student loans. First missed payment ever just occurred last week. Fairly confident I have a 45kyr position waiting for me in Phoenix, which is a relatively cheap place to live. Would need to find an apartment in Phoenix. Current credit score in the high 600s and falling fast. Any advice would be appreciated, especially with regards to the bankruptcy process and how it would affect my potential hiring. Also curious as to how bad it would be to just try making the minimum payment on 30k in debt with crazy APRs.  <response>: Chapter 7 exists to give you a fresh start. Exactly what you need. At 1300 a month you would be debt free in feb 2018 with a total of around 38k paid.I would do it and instead put those 1300 a month into index funds. 