<prompt> Human: Now what...?Im a piece of shit 24 almost 25 living in my step dads basement. I know I fucked up bad. I basically ignored credit unions collections attempts to reach me. I figured if I eventually catch up to payments everything would be fine. Credit union has sent me budget analysis form to see what payment arrangements to make to pay off remaining balance of loan. 10k. I dont have 10k. Barely got a new job that I hope I pass training to keep. I have too wait until bank auctions off car to see how much I owe for the remaining balance, but bank doesnt know how long thats going to take. I think theyre going to charge me storage fees , 20 a day. But as of right now, Im still ignoring all the situations Im in and only focusing on being permanent at this job. Im so lost and helpless. Some guidance or advice from people whos been through this would be great.If more details are need Ill be glad to give. But as of right now, Im basically ignoring all my situations. Im scared things are going to get worse. My mind cant fully comprehend how bad this is going to fuck my credit either. Help.?Should I just file for bankruptcy? Join the airforce maybe?  <response>: What other debts do you have? Stop ignoring shit. You may have some other underlying mental issues. My mind cant fully comprehend how bad this is going to fuck my credit either. Dont worry about your credit. Its going to be bad. You need to focus on getting a handle on your life and stop making things worse. 