<prompt> Human: So I had an 80k salary last year. I lost my job. I owe the irs about 10k in back taxes. My ex fiancé sued me and won a judgment for around 7k. I bought a bmw, which was repossessed. I was evicted from my newly signed apartment lease. Im about to get another job that will pay 80-100k salary. I know its a lose lose situation, but anyone have any advice on best course of action? Claim bankruptcy or pay or attempt to pay off creditors. Any advice is appreciated.Edit: Im more concerned about best options on rebuilding my credit. Im probably 25-30k in debt. Bankruptcy or pay off everyone?  <response>: Bankruptcy is a horrible choice. You could pay that off in less than a year at 80kyear if you wanted to.My advice: stop spending so much. Dont eat out. Dont buy a new car. Dont buy new toys, apartment, etc. If you can keep your spending under 2,000mo and put the rest towards your debt, itll be gone in a year. Call the irs and work out a payment plan with them. Do the same with your ex. 