<prompt> Human: Turns out Im pretty much banned from my career for 8 years, thought I would be back to making 4 to 5 take home a month now problem .I just maxed out a Dell account for new laptop 3.5k , 8k credit card in hotels and what not , I have a 10k loan and then finally a 22k car loan which I can afford to pay.So right now in gonna have to neglect everything , do you think they will give me like 6 months to find a job ? I have a prospect hut they have to wait till I finish court which will take god knows how long  <response>: A credit card company will not give you 6 months to find a job. Very few lenders would offer that kind of deferment, and they certainly aint the predatory ones like credit card companies. It sounds like the stuff is still sort of new. Return as much as you can. Swap out that crazy high car loan for something more reasonable. Unfortunately, youre stuck owing for the remainder. 