<prompt> Human: Just... trying to get a handle on this. Is my credit rating fucked? Is there any chance of improving it? Can I even do anything?1. Sent to collections twice in 5 year span by UPS because they failed to charge my CC for package delivery fees.2. Have overdraft protection on my bank account. Only out of the red on payday, after I pay my bills buy food for that week back to the red until next pay period. Almost a year of this now. Im wasting so much in fees.3. 500 credit card has been maxed out for 3 years. Able to pay slightly over the minimum each month but end up spending the payment money again on essentials toilet paper. Always on time with payment. Payment obviously increasing due to card never being paid off.4. Previously owned and flipped a house for profit in 2014. Used first time homeowners credit to save some money there. Not sure if this affects rating. Currently rent. Always on time with rent.5. Owe about 8K on my car. Co-signed with Father. Have missed 2 payments in the 4 years I have owned the car.6. Co-own 6K in debt from husband. No joint accounts, common-law unsure if this affects my rating.7. Owe government 200 because I became common-law last year causing an over payment in trillium benefits. 8. No school debt. Have nursing degree, unable to work in field any longer due to deteriorating mental health. Currently work min wage as a server. Hours just got cut in half due to temporary construction outside the business.Is there anything I can do? Is there a point, I cannot see myself living past age 40, who gets my debts when I die? Do life insurance policies cancel out if you commit suicide? Sick of the voices calling me a failure.Sorry for wasting your time.  <response>: If you are considering suicide or know someone who is considering suicide, call the National Suicide Prevention Lifeline at 1-800-273-8255 immediately. There is also a list of alternative and international phone numbers.If you suspect a friend or family member may be considering suicide, call the hotline and read up on warning signs herersuicidewatch is currently the most prominent subreddit featuring support for other redditors suffering from suicidal thoughts. Here is a list of resources for those struggling. 