<prompt> Human: I was recently laid off from my job. Salary was 65-70kYRNo savings accountNo emergency fundNo 401k Car payments insurance 700MO 350 respectivelyPhone bill 120Credit union loan 113MORent 500 MOCurrently 10-20 days late on both CCs And credit union loan. Late 26 days on car insurance.Late 22 days on car payment. Honda will not let me sign lease over to anyone. Not sure what kind of advice i would be looking for but anything would help. Biggest regret - taking car lease! Sorry for the weird writing style. Wanted to keep it short as possible. Laid off april 1st i consider that fairly recent, ran theoug my savings pretty much about 2 weeks ago. currently doing odd jobs like taking people to airport for some extra money. But this probably only covers my rent every month since its not much. Havent called any of the credit companies. Will they work with me?  <response>: Find another job. I imagine youre looking for something else, but this seems like the most obvious solution to your situation. You need a car, insurance on the car, a phone for potential employers to contact you, and the rest youre stuck with. Apply apply apply 