<prompt> Human: Hello, I am a 20 year old guy living with my parents still but I do pay rent 400 . I work at a construction company making around 750 weekly. However, before I got this job I got in a couple of debts around 1,000. Couple months back I got a loan from speedy cash it was 250 it was supposed to be an automatic payment I would deposit the money in my bank account and it would be taken when the payment was due. It didnt happen that way, the day came and I had no money in my bank but the payment was charged and made my account negative. As a week passed and charged me another 15. Now I have received 2 letters from collection agencies saying I have 30days to pay or it goes to collections. The thing is that my bank is charging me those 250 as well as speedy cash. So I dont understand why I have to pay both. What can I do in this case?Also before those debts I had my first credit card, capitol one college student one. It was all good until I started falling behind on payments. By that time I had already requested two limit increases. Which brought it up to 500. But now with all late fees on it I owe 600 and I have a month to make at least the minimum payment of 230 to keep it active. I like to pay for my family food whenever we do go out and let them borrow money sometimes when I know I shouldnt because I have payments but sometimes I feel the need to help them, I know I need to stop that but its hard for me sometimes because I love helping family. Besides that I also only have my 100 pone bill and I recently spend 200 because I needed new glasses. Why would be the best way to deal with all of this avoiding more problems with banks and collection agencies or court? What can you guys recommend me to do. Any help will be appreciated. Thanks  <response>: So many things going on here.1 Assuming your 750 a week is gross, not net Ill estimate 500wk net, youre making 2000 a month! And yet the only expenses that you can itemize are rent 400 and phone bill 100. Until you can figure out where youre spending 1500 a month, youre not going to be able to get out of debt. 2 It doesnt sound like youre letting family borrow money, youre giving money to your family. Thats great, but dont call it a loan if theyre not going to actually repay you.3 The good news is that you can buckle down, cut your spending to a bare minimum, and pay off these debts in probably only a couple months. But you HAVE to know where the 1500 a month is going! Make a budget! 