<prompt> Human: I told each one of them I have medical issues that I am working through with my doctor that is keeping me from doing my normal work, which in turn is leaving me just enough to survive and pay my car note. I changed my because I simply dont know what else to say to them. I cannot afford bankruptcy. Do I do anything or just keep trying to get more income eventually and workout some sort of plan with these guys?Thanks!  <response>: If all you have is enough to survive and pay your car note do that, the cards will be there to deal with in the future. Out of the hierarchy of bills your unsecured debts rank really low on the list when youre going through a hardship. Get through your medical issues and once youre in a better position you can deal with the debts at that point. Credit can be recovered later. 