<prompt> Human: My credit is shot. I dont really have anyone that I trust enough to asktake advice from about this.28mengaged, 2 kids. My credit last time I checked was 405. I owe Wells Fargo, PNC, TD, Sun, and Arthur State bank approximately 1000 each. All are in collections. 7 years ago I financed a 9800 truck thru Chase, and at the low, low interest rate of 24.99 percent turned that into almost 20 grand. I was halfway thru paying it off, called and made a payment arrangement to pay approximately 16 hours late 3 feet of snow on the ground, hadnt physically received our paper checks uet they said ok no problen. They came and repod the truck at 3 am that morning. Thats in collections for approx. 10 grand. I have maybe 15 grand in medical bills in collections. I havent incurred any new debt since the truck was reposessed, approximately 5 years ago. Theres probably also some other smaller miscellaneous shit, a fucked up cell phone plan, cancelled car insurance, a low limit credit card, maybe 1500 or something. So, people that are more financially responsible than I, where do I start? Is it even worth considering filing bankruptcy.? Or is there any truth to this shit falling off my credit report after 7byears? My days of being young and dumb are over, I need to fix my credit, so I can provide better for my two lil ones and my fiancee. Ill never be able to get a mortgage, loan, car payment that doesnt rape me with interest, shit I cant even get a gas card or a fucking SECURED CREDIT CARD, and believe me, Ive tried. So help me out yall and thanks!  <response>: Without having some idea what your income is, Im not sure anyone will be able to offer relevant advice. Is it possible to pick up more hours, or do work on the side to bring in some extra cash to pay down the debt? The overall amount of debt you have doesnt seem unmanageable, but it will really come down to your income and other bills.Does your fiance work and does she know your debt credit situation? For the health of your upcoming marriage, I hope the answer is yes. Money stress can really tear a relationship apart if both partners arent on the same page. 