<prompt> Human: Ok so when I was 18 I got a student credit card with a 1200 limit. But it was around the holdidays and my mother kept making me buy the groceries so before I knew it I was up to a 900 and over the next year it has been maxed out and is currently over the limit. Just before my 19th birthday I bought my first car with my father consigning. After 5 months I had lost my job and got a new credit card with a 400 limit that is now over the lim due to late fees and I had fallen a month behind on the car payments. But I had to talked to my father about it and gotten a new job but right before I got my first paycheck to be able to pay off whats owed on the car he came to my job, took the car, and hid it from me for 3 months and the car was in the repossession phase when I was finally able to get it back from him. Last week the car got repoed when I got laid off from my new job and couldnt make the 950 a month payment a payment plan was set up and I was supposed to make double the monthly amount until I was caught up. The car was financed by Capital One and is being auctioned off at the end of the month. So now I am 19, have 2 credit cards that are over the limit, a repossession, bill collectors calling day and night and I dont know what I should do. I cant even get an apartment because my credit is in the 300s. Im asking you for guidance. Edit: the car payment was 475 a month but the payment plan made it 950  <response>: Your whole family doesnt seem to be very financially smart. So you probably havent had good examples. Be aware of that, and try to improve your understanding of finance, and try to improve your own behavior. You cant improve the behavior of your parents.You personally seem to have a history of losing jobs. You could blame the economy for that or you previous bosses, but maybe you can also see some parts of your own behavior that you can improve, so that you will be better at keeping the next job that youll have. Dont get an apartment just yet. Stay at home for a while longer. You dont have an income yet, youre studying, you are in debt - all very good reasons to not add a monthly financial burden to your situation. Check out the links by the automoderator, especially the one on improving credit scores. Theres also a page on how to pay off debt and one on the basics of personal finance 