<prompt> Human: Hi personal finance. To start things off, please dont bother commenting if youre just going to trash me. Its been a bad year and Internet abuse is not going to help anything. Heres the summarized story. Moved out of state with my boyfriend last summer. Had a job, cheap living while we saved for our own place, things were good. Got laid off, unemployed for 2 months. Burned through savings and maxed out one 2000 credit card just trying to job hunt, survive and pay bills during that time. After 2 months, bf dumped me out of the blue. Had to use other emergency credit card to get self, car, dog, and possessions 3000 miles home to parents. Unemployed for 3 months once I got home, in a deep depression, basically slept for 2 months then started trying to find work again. Used up last of credit, and bummed off parents to simply eat and have gas for job interviews during this time. Havent been able to pay car payment or any other bills since august. Finally found a job, pays shit but its something. Just got my first full time paycheck and I need to start fixing this mess. Issues: -car repossessed as of October, hasnt been taken yet. Also has a fucked transmission so cant be driven. Worth about 3000 running, I owe 4000, would cost at least 8000 to repair. -no payments made on 4 credit cards and 1 personal loan since September. Total of about 9500 between the 5 accounts. -I have major anxiety and every time I try to make a phone call I cant breathe. Cant even get an appointment with a therapist because I cant call to make one, or even find out if I still have health insurance. I am 23. I have always been pretty financially responsible as my parents are extremely impoverished and I didnt want to be like them. Until this year, I had no debt except my car loan and a small under 1000 personal loan I took to pay for school supplies in college and had almost halfway paid off. I didnt have any savings but I was working on getting to a point that I could begin to save money when my world was turned upside down. I basically fell in love and made a ton of bad financial decisions and now I am so deep in trouble that I have begun to consider suicide at my lowest moments. I know that this is all my fault and I fucked up badly. I have no idea how to even begin fixing things. The obvious answer is to start making phone calls but my anxiety has held me back from doing this and made everything so much worse. I honestly dont even know where to start fixing this and feel completely hopeless.  <response>: Right, most important things first: I have begun to consider suicide at my lowest moments.There are many people to help with this, please talk to them. Theres rsuicidewatch thats there if you cant pick up the phone.1-800-273-8255 ---Onto the financial stuff.First, all of this is solvable, all financial problems are.Most importantly, you need to work out what you actually owe and to who and what your minimum payments and interest rates are.Whats your income, and what is your budget? You need to work out what you can put to the loans, this is also useful when talking to your creditors as you can agree on payment plans by showing you can only afford certain amounts. I honestly dont even know where to start fixing this and feel completely hopeless.Step one: work out where you are.Step two: work out how much you can change this each monthStep three: stick at it, and see the situation improve.Simply listing the debts, totals and interest rates will be a step forwards. Then youre closer to fixing it, and youre on the way.Others will probably be able to point you towards some useful resources with regards to legal stuff but Im from a different country so Im less sure.---Be sure to check out the FAQ, particularly: 