<prompt> Human: So Im going to start off by saying Im terrible with money and let a lot of things get out of control that I shouldnt have. When I was 20 I moved to a different state without being prepared for it. I accumulated a lot of debt during the 4.5 years I lived in the other state. I recently moved back home to my home state living with family so the only bill Im currently paying right now is my student loans. Before I moved my car was repossessed. I ultimately filed for bankruptcy to get it back because I had no money to pay off what was owed on it. A couple months after filing I was forced into a situation of having to move back to my home state. My bankruptcy lawyer and I agreed to let my bankruptcy case dismiss and let my car be repossessed again because it didnt even work, I couldnt afford to have what was fixed on it so I just left it to be repoed. My debts range from a credit card of 5000 I maxed out, a payday loan, my car repossession, tolls from the state I moved from, a bank account I let overdraft. And I think theres a few more but I honestly cannot remember because I was incredibly irresponsible and basically ignored them all. I was planning on refiling for bankruptcy but have decided that my debts arent so bad that I dont need to re-file, I owe about a total of 7-10k is all. My question is, how can I figure out what I owe all together? Is there a way I can work with some of the companies to lower what I owe? Will paying them off myself be better for my credit than filing for bankruptcy? I know I was stupid about this and I live with the regret everyday knowing what a hole I put myself into. I just want to fix this as soon as I possibly can so I can actually start moving forward in life and be able to get a new car and a bank account and to be able to live on my own. My family is terrible with finances as well so Ive never had a good role model to guide me into how to properly manage my money. All advice is greatly appreciated as I have absolutely no idea where to start.  <response>: Daveramsey.comIve been debt free since Nov. 2014 following this plan. Easy steps to take control of your life and money. 