<prompt> Human: So about two years ago I went through a horrendous breakup with my fiance in Minnesota and lost my father and grandmother in Georgia. I had just moved to MN two years earlier with my fiance. Because of all of this I went into a depression and let lots of things in my life lapse and fall behind. I stopped working for a while and the breakup involved a child and custody became a legal battle.Im just looking for advice on what to do. Im 35, as of 2 years ago had a 750 credit score and now its about 550. I make about 40k a year at my job, about half of which is in cash tips. I travel around a lot throughout the year. My job is mostly in Georgia, but I also work summers in Colorado Im a golf caddy. So I live in Georgia 7 months a year, Colorado 3 months, and Minnesota to see my daughter for 2 months a year. I may move back to MN for good as its too hard being away from her and traveling is expensive. Anyway...As of right now my debt is as stands:American Express CC- 4,000, has gone to collectionsDiscover CC - 4,000, has gone to collectionsChase CC - 2500, has gone to collectionsCustody Lawyer - 2000, she just served me with a court summons on this amount in Minnesota where the custody battle took place. I was wholly unhappy with her service and paid her over 5,000 but she says I still owe here 2,000. I got a call today from my ex who im on good terms with now that someone stopped by and served a summons for me to appear in court on this amount Nov.28th...Im in Georgia...and it says if Im not there they can issue a bench warrant? yeesh...5,000 Federal taxes - My ex and I claimed my daughter as a dependent the year we broke up. IRS asked us both for more paperwork. I never got the request and my ex did. She sent what they wanted and they ruled for her...now my debt. Im assuming they will garnish my wages soon...3,000 Car title loan - This one hurts the most. At my lowest I got one of those sleazy car-title loans in Wisconsin as its illegal in MN for 1700 on my car. I had intentions of paying it off quick but did not come into the money I was expecting and the fees ballooned so fast the payoff was more than what my car was worth. This was about a year ago and I updated the tags on the car and it has insurance. Im in Georgia now and still have the car. Im not sure what I can do here. Its my only mode of transportation.So as you can see, Im in a mess. Im ready to climb out of it and I know its going to take a lot of work and discipline. Does anyone recommend bankruptcy? How much would that help? Am I screwed on the summons in MN? Any and all help is welcome. Its embarrassing to type this out but all I can do is face it head on and rebuild. Im leaning towards bankruptcy as its there for a reason and honestly after all Ive been through I wouldnt feel guilt using it.  <response>: I would call the courts in Minnesota and see if they can help you. If you tell them the next time you are going to be in the state, maybe they will be willing to work something out with you. On the other stuff, wed need to see your budget to give you advice. Outside of that, the typical rule of thumb is to pay your highest interest debts off first, and work down from there. You might want to consider bankruptcy, with the amount you make you could probably qualify for chapter 7 and get a fresh start. You will have to come up with about 3,000 in cash to get a lawyer to help you through the process though. 