<prompt> Human: So like the title says, I went from never being great with my finances, to not great at all and ignoring it all. For context if it helps, Im 27 years old and live in Texas.Current problems:- Im unemployed laid off in May from a contract job I had been at since March 2014. I havent paid or finalized taxes for 2014 or 2015. I did file an extension for 2015.- Im not collecting unemployment though I probably should try because I didnt know if I should since I havent completed my taxes.- I have medical debt that Ive been ignoring from an incident in May 2015.- I frequently forget to pay bills. I havent paid my student loans or my health insurance in several months. Im pretty sure that as of August 1 my health insurance has been cancelled.- I have a massive amount of student loans debt in the form of Parent Plus loans on my parents that they cannot afford to pay and are ignoring. Around 90K in debt on them. And 30K on myself.- I have an expensive car that I need to get rid of. Getting maintenance done on Friday and Ill start trying to sell it over the weekend.Monthly Numbers:- Income: 0. But doing some freelance design work. Less than 1k a month.- Rent: 700- Utilities my portion: 170 right now approx. Electricity is way high because Texas.- Car Payment: 386- Student Loans: 215Debt: - 3-6K in medical debt. Unsure on exact amount right now - 30K student loans on myself. - 90K student loans on my parents. - 2 years of back taxes probably somewhere in the 15K range. I really have no idea and no idea where to start on this. - 14K on car that I am getting rid of ASAP.I need advice on where to start for dealing with my medical debt its all gone to collections I think, and dealing with my taxes from the past two years. Also tips on how to just better manage my finances going forward. Im very overwhelmed by all of this right now and Ive mostly been ignoring it all.  <response>: Im just going to jump right into it, although not in the order you listed thing: Im not collecting unemployment though I probably should try because I didnt know if I should since I havent completed my taxes. File for unemployment NOW. UE has nada to do with taxes and the longer you wait, the more likely it is that youll not get it. I havent paid or finalized taxes for 2014 or 2015. I did file an extension for 2015. Call the IRS taxpayer help line and let them advise you. You can do the paperwork, and then request a payment plan which can be deferred if youre unemployed. I have medical debt that Ive been ignoring from an incident in May 2015. Ignoring debt never solves the problem. Call them now and tell them that you are unemployed and see if you can work out a payment plan or defer it for 3-6 months while you look for a job. Be prepared for them to say no and understand that doesnt remove your obligation. I frequently forget to pay bills. I havent paid my student loans or my health insurance in several months. Im pretty sure that as of August 1 my health insurance has been cancelled. I mean honestly? Grow up. Pay your bills. Call places and tell them youre unemployed and ask if you can break out whats past due over a couple of months. I have a massive amount of student loans debt in the form of Parent Plus loans on my parents that they cannot afford to pay and are ignoring. Around 90K in debt on them. And 30K on myself. I guess I see where the ignoring comes from. Again, call the loan companies. Tell them youre unemployed. Ask them what your options are. Get yourself an Excel spreadsheet or even just a piece of notepaper and write down all the debt you owe and who you owe it to. Start calling them as mentioned above. Start writing down what your minimum payments will be. Figure out what your monthly budget needs to be from that. Then start looking for a job, ASAP. 