<prompt> Human: Monthly Expenses are 300 car payment, 600 rent, 300 phone bill, 300 groceries. I am able to only pay 200 a month toward credit card debt. Creditors have sold the accounts to collection companies and they are threatening legal action. What are the ramifications and how what can I do?  <response>: 1. Your phone bill is insanely high. Cut that down to 50 with Cricket or someone like them.2. Youve listed 1500 of expenses per month. Theres way more than 200 leftover to go towards your debt. Post your full actual budget accounting for every single dollar you make and spend and we can help you. Without more info, the only advice we can give is spend less and earn more. 