<prompt> Human: So Ive decided to make a change in my life. I have always ran away from my debt. Im 37 years old and have a job. I would like to get this monkey off my back but dont know where to start. I have back taxes as I have not filed for the past 7 years. I have student loans in default. I have credit card debt that is in default. I feel overwhelmed: I live in California and it feels like I will never get ahead. Any words of wisdom would really help.  <response>: Youre going to have to throw the numbers at us! Break it down, income, expenses, current savings, etc! 