<prompt> Human: Like the title says, I am in my mid 30s, make roughly 54K year, and have gotten myself into the lovely amount of 27K in credit card debt. This has built slowly and mostly in my younger 20s, and with small additions year over year which has gotten me here.x200B;I am fully at fault for my terrible habits and out of control spending. I have no auto loan paid off and no student loans paid off My car is old, so I just keep praying it keeps running.x200B;My expenses are as follows:Necessity:Rent - 895monthCar Ins - 200monthCC payments - on just the mins around 850-900monthx200B;non necessities:Hulu - 40monthSpotify - 10month I run a frequently and use spotify every dayx200B;Thankfully my partner handles internet and utilities.x200B;My take home is roughly 1500bi-monthly, but we are switching payroll to every other week, so it will be more paychecks a little less. So around 1400 Im guessing every two weeks. I usually pay rent out of one paycheck, and then bills out of the other.x200B;I am at the end of my rope. I am very angry with myself and sick to my stomach with stress. I feel overwhelmed, I feel like an idiot. I have no idea what to do, or how to fix this situation. I occasionally need to use my CC for work and then expense it for clients, and I literally cant do that because I have no balance available and Im HORRIFIED someone will find out.x200B;Is Bankrupcy an option? My credit is almost 600 like 609 so its not like I have a great score to protect.x200B;I cant:lower my ins, or lower my rent. At this point I wouldnt qualify for most places around here with my CC score, and this rent is really affordable for where I live. I live far from home, so I cant move in with any relatives to save.x200B;If anyone has any advice, I would be so incredibly appreciative. Im so upset with myself and I know I made my bed and need to lie in it, but this is over a decade of not being very financially saavy coupled with a lot of poor decisions. Id love to un-fuck myself and I just dont know how.x200B;thank you so much in advance.x200B;- too embarrassed to use normal accountx200B;EDIT:x200B;I just wanted to say to everyone who has been taking the time to reply, your encouragement, thoughtful comments, and realistic advice mean more to me than you might think. I know it all seems really basic, but its amazing what you can put into the living in denial part of your brain and not take accountability for. x200B;I am still extremely overwhelmed by the amount of debt, but now I feel hopeful and motivated. You are all wonderful. I honestly wasnt sure if anyone would see this or even reply, so thank you again! Im carefully reading everyones advice and taking it to heart.x200B;Assistant: There are a lot of expenses not accounted for food, gas, etc.. What is the breakdown of the cards and interest rates?Human: Sorry, here are the additional details :cards 41- Balance: 13781, min payment 334, interest 15.992-Balance: 8848, min payment 224, interest 17.653-Balance: 2622, min payment 120, interest 20.744- Balance: 2K, min payment 100, interest 0 for 5 more months I dont have a set budget for foodgas, but I dont drive too far to work. I fill up around 40 about every 2 weeks.EDIT: Looks like I over-estimated the of the CC payments it is roughly 778 from those totals. Assistant: I kind of loathe Dave Ramsey because he is so willfully moronic on retirement investing, but your case is definitely one where the debt snowball approach is warranted. Youve got two rinky dink debts, a medium one, and a big kahuna. Youre going to feel a boost in morale if you can reduce the number of enemies you are facing. Do minimums on all but one of the little ones and throw all your efforts at eliminating it completely. Then rinse and repeat.Once you knock off the little ones, youll feel like you can tackle the 8k. And once you take out that one, youll be half way home and feeling way better about life because your debt to income ratio wont be quite as horrifying.Human: Thank you for this. I actually have his book. It is collecting dust. Obviously.x200B;Also thank you for making me laugh by calling my scariest card a big kahuna. Time to stop being afraid of it and hiding from it and just make a plan.x200B;Have a great rest of your day!  <response>: You might even find that upon tackling one card , they give you a 0 transfer offer. . 