<prompt> Human: Hey guys, so I havent been working for a while and been reckless with my credit card and personal loan. Currently, I have 11,722.91 CAD balance on my line of credit and 26,547.21CAD on my car loan and 1,576 CAD in my credit card. I do now have a job at the moment. Should I declare bankruptcy or try to recover somehow? Edit: Thank you, everyone, who contributed with their comments.  <response>: Its less than 30k. You can easily fix that in a few years I dont think itd be worth it. 