<prompt> Human: Long story short: I was young and VERY stupid. Drove drunk in someone elses car wasnt insured obviously wrecked into and hurt a nice lady. Broke her noseWent to prison for 3 years. At some point I was sued by her insurance... for 118,000. Fast forward 8 years later. Im no longer a fucking Moron. I want to get rid of this debt but cannot file bankruptcy as my situation is rather black white in the eyes of the law.I make 2,200 a month. How do I tackle this debt?I want to own a home. I want to get state farm off my back. Help me reddit.Edit:The car was 18000 which is able to be gotten rid of. The 100,000 is the claim that State Farm paid out to the victim for an uninsured motorist claim. I was unable to be in court as I was serving a three-year prison sentence for this situation. Basically upon my release I was given paperwork that said I owed x amount of dollars and your license is in limbo.Is it worth filing bankruptcy over 18,000 when I still have the other one hundred to pay? Also all of the snarky comments about Thats why you dont drive without insurance and You should kill yourself...? Believe me I had three years turning big rocks into little rocks for the state of Georgia to think about this. So positive comments please  <response>: OP, based purely on raw numbers, without substantially increasing your monthly wage you are looking at many, many years of bare bone budgeting to get by with minimum payments while living in extreme poverty - all this while making very little headway on paying the full amount off. Furthermore - this leaves no room for life emergencies andor financial progression owning a home, bad credit affecting rentingpurchasesetc. Compound that with your criminal record, and unhirable status in some states for anything bonded, government positions, or positions relating to operating a vehicle - it is a rather grim situation for increasing your income.Off the top of my head: Have you looked into felon rehabilitationplacement programs for job seekers, etc? Have you contacted temp agencies to see about a second or third job? Are you making attempts to further your educationtradecraft through attainable free means e,g learning to program computers through free online resources, maybe picking up blacksmithing, local tradecraft meetup groups, or something similar for another trade? Have you spoken with a lawyer...or a different lawyer than the one thats given you your current information to discuss your options?I have two acquaintances that have been in less severe but comparable situations: one now works as a farm hand for under-the-table wages and from what Ive seen is rather miserable. The other is now a journeyman blacksmith who was lucky enough to meet up with a local master smith see reference above who offered him a job assisting with making and shoeing horses for a local ranch - he isnt paid but is given meals and training in exchange for work.I dont know if I have ever suggested this to anyone before - but have you considered leaving the country? I dont personally know anyone who has done it, but Ive heard of people in similar circumstances joining something like the French Foreign Legion in order to wipe the slate and get a decent chance at a new life. Whether I advocate for or recommend it? I really dont know as I cant really imagine being in your situation nor I have I really checked out the FFL in any depth...but hey...its something to consider I guess.As someone who was hit by a drunk driver and will have to undergo many medical procedures for the rest of my life to maintain the ability to walk: I truly hope you learned your lesson because that one decision by the person who hit me basically ruined my life. As someone who was once young and made shitty decisions: I can empathize with the desperate nature of your situation and truly hope you find a solution that allows you to live, and hopefully inspire others, to not follow the path that got you where you are now. Good luck. 