<prompt> Human: Its not for me. Its for a friend for reals.I was discussing credit cardmiles planning with a long time friend with the intention of planning a trip together when he revealed to me the depth of his debt. Hes got a credit card that he maxed and ignored years ago along with 10k in student loans he hasnt touched in a decade. He makes basically minimum wage and lives paycheck to paycheck.Hes accepted that declaring bankruptcy is probably his best option to get his life back on track but it looks like even thats going to cost thousands of dollars. Is there to do it on the cheap? Whats the first step?  <response>: Walk into your office and scream I DECLARE BANKRUPTCY 