<prompt> Human: Im 29 years old, single. Ive got myself in a lot of trouble over the past year. I quit my job and moved in with a girl in another state. I was lazy and played video games and never really even looking into getting a job while living with her. I had money saved and was fine until it ran out and I started putting everything on my credit card.Basically got to the point where I was paying the credit card with the credit card. Ive now just recently moved back in with my parents across the country. I havent made a payment on the credit card in over 6months and it is being charged off this week. I owe about 16k total on it.I have no job, zero income, and zero savings at this point. I dont have any other debt or bills other than this credit card. I dont own much, other than a fairly old car which I paid off years ago. I plan to get a job asap, I didnt go to college so it will just be a basic retail type job at this point. I worked retail for 8 years straight prior to quitting last year. My biggest issue is I wont be able to live with my parents for much longer and will need to start paying for a place to live in the near future. What should I do with this charged off debt. Itll literally take years for me to pay this off with the income ill be making. ps. Yes I know Im stupid for even getting myself into this situation. Its a huge weight on my shoulders and Ive always been financially responsiblystable until now. Please helpEDIT cuz this is basically my question...Since it has already gone to charge off, is bankruptcy an option? What would end up better for my credit in the long run? This is where Im confused, if I pay off the debt with hard work over the next year does it still show up on my credit report as a charge off, and for how long etc.  <response>: Get a job, any job. Retail, flipping burgers, anything. Then beg your parents to allow you to continue living with them until this is paid off. Pay 99 of each check toward your debt. No spending- if you must have a phone get a Tracfone. Eat all your meals at home and ride a bike around town. This is easily doable in one year if you focus and use self discipline. 