<prompt> Human: Throw-a-way account for obvious reasons.Had a sort of traumatic experience a few years ago that temporarily hindered my ability to work. Instead of actively seeking the help from professionals and friendsfamily, I tried to continue as normal and just cut my expenses. It started off as one loan that I immediately paid back after my non-rent paycheck Few months later, I pulled the trigger again but was unable to pay back in full and it snowballed..Currently, I have 5 maxed out credit cards and 4 loans, 3 with absurd APR that are higher than my states law does this matter in any way? I was making minimum payments on each for awhile but Im mentallyphysically broken down at this point and cant afford to even get groceriesgo to the doctor, let alone find the capital to attack this. It feels like Ive woken up from a bad dream and feel really helpless.At this point, 2 of my credit card payments are vastly behind Im still making minimum payments on the others. Collection calls are starting to come in and its hard for me to mentally handle thisknow what to do at this point. Ive already called Capital One to set up a payment plan on money I owe them got it current but theres a less reputable company that Im behind with and Im scared to answercall them because I simply dont have the capital and dont want to promise a payment I cant make to get it current.Ive done the basics of severely reducing expenses Summation:-Terrible life decisions by myself had led to a massive amount of debt that I need reliefpayment plan-Majority of the overwhelming APR is coming from online pay-day lenders and lack of making payments This is all my responsibility and I am cognizant I need to get myself out of this situation by myself, but if anybody with experience can point me togive advice on anything from initial contacts to bankruptcy lawyers or anything that would help, please PM I found the credit card companies are pretty reasonable to deal with if you are straight forward with their reps, but interest on the loans are killing me and I find them really hard to deal with. EDIT for specifics.I know it seems foolish to most I didnt initially list all of my debts, but I think subconsciously I was looking for re-affirmation of choosing basic life necessities over credit score. And..well Im embarrassed.Credit Cards Current:Capital One- 1500 50 monthly 22 APRCapital One 2. 450 20 monthly 22 APRCredit One - 1,050 55 monthly 29 APRCredit One 2 - 650 30 monthly 20 APRTerrible Company 1 - 675 45 monthly 35 ish APRPaypal Credit - - 700 50 monthly 23 APRTerrible Company 2 - Owed 1000 ish but missed payment and they have sent a collection notice letter. With penalties and late payments fees the minimum they want now is 400. I cant do it.Amazon - 3500 limit..have used around 2500 and APR is around 25...dipped into this to get cash advances to pay for basic life supplies while making payments on these loans. last payment was 70 but should shoot up since I get a lot of cash out. Am scared. Total Monthly: 320 ish the delinquent one not sure what to do with Total Owed: 8,525Loans:LegitMariner Finance - 39 APR - 96 monthly 1,600 totalOnline Crazy LoansA 125 monthly 970 total 299 APR B 148 monthly 1,100 total 450 APRC 197 monthly 600 total 399 APRThe main problem with the online loans and looking back I cant believe I let myself get into a mental state where i even friggin considered these loans without reaching out for helpbetter options is that the phrasing on the initial contracts sort of tricked me. Theres a finance charge as well as ridiculous interest so for the C one the minimum monthly wont even touch the principal for another few months. Rent is 800 a month including utilities and I supervise the room service department of a small hotel restaurant so my monthly food expenses are usually super cheap.My car needed slight repairs at the beginning of all of this but am thinking of selling it to a buddy for 500Annual salary is around 30k but sort of commission based. NET pay of last two paychecks were 1,175 and 950We are entering our busy season so I expect that to increase a little but its not a constant and yes Im looking for cheaper housing options that I could still realistically get to work withI understand I have a long road ahead no matter what the case. My greatest concern is how to handle the situation regarding the loans without going homeless.  <response>: Details? Loanscards, remaining balance, and interest rates? What does your income look like? Any assets? 