<prompt> Human: I am 19 and I live alone. I dont have my parents and I have no siblings that I know of. My parents were only children and my grandparents are dead. I have no one to turn to at this particular moment. I work and sustain myself. I go to community college part time and I work 2 jobs. There is no room for a third. I make 30k a year. I honestly fucked up. I made some very idiotic financial decisions and I am paying the concquences today. I am at the end of my rope here. Im truly desperate . can anyone help me by giving me some options or advice? Anything helps really. Thank you in advance.Also, I live in California so shits expensive here. My car payment is 375 a month. Gas 200Personal loan 300 Phone 25 People I have to pay 450Credit cards 300Food 150Utilities 145Insurance 115I get payed every 2 weeks and my paycheck comes out to be 840 every 2 weeks  <response>: Need more details in the nature of the debt; type of debt, what assets you have, what are you afraid is going to happen?Edit:In the hope that OP reads this, I am just going to try to give some very general advice and knowledge about debt.First off, OP, if you cant pay your debts what will happen is your credit score will get reduced over time as you miss or make late payments. Eventually your creditors will either; sell the debt to a collector who will attempt to collect the debt, or they may elect to sue you in civil court. If you are sued and lose something called a judgement will be entered against you, which I am uncertain of what California law specifically allows. Typically a judgement can put leins on any real property you have such as a car or home, some states they can garnish wages, some states creditors can take money directly from your checking accounts IE a judgement can be very bad.Secondly, if you can afford to pay your debt but it is creating an unsustainable burdern you might be able to talk to your creditors and convince them to restructure your debt so that you can pay them without default. Talking to your creditors will be better than ignoring them completely, just be sure not to make a promise that you cannot keep; IE dont promise to pay 200 per month if all you could afford is 50.You do have another option, Bankruptcy. You are a bit young to be filing a bankruptcy not that there is an age limit, but it is atypical for someone in your age group, how you got into this amount of debt is difficult to understand in the first place. You can file for bankruptcy for a few hundread dollars and basically do it yourself if you devote the time to understanding the process and what paperwork is required. The net effect of bankruptcy from your description would be that you would have a more difficult time borrowing for the next 7-10 years, however you would completely erase the debt. These companies could still refuse to do business with you in the future, but from a legal standpoint you are in the clear.I would also support you looking into credit counseling some states require this as part of a bankruptcy filing anyway. 