<prompt> Human: Disclaimer: Ive been diagnosed with anxiety. I know and fully understand how dumb and irresponsible this is, it gives me anxiety and causes me to have horrible panic attacks. Literally I think about this constantly, it effects my mood and how I interact with people. This is the worst mistake ive ever made.When I was 18 I was pretty stupid. I had two credit cards that I let my boyfriend at the time use. He ended up maxing both of them out, and promised to pay them. Long story short, he didnt. He was mentally and physically abusive and weve been broken up about 3 years now. We have zero contact. For awhile he was giving me money to pay the minimum, then when i cut contact that obviously stopped. For awhile I was paying them myself, no big deal. Unexpectedly I had to quit my job, I Was being sexually harassed by my boss and it escalated to the point where he did something that made me so uncomfortable I HAD to quit. I couldnt afford to pay the bills, which made me panic. I had insane anxiety over even calling them to work something out. After awhile i got a new job, but I know how stupid and irresponsible this is. I literally cry about it everyday I still didnt do anything about those credit card bills. The thought of calling the collectors is terrifying to me. I dont know how to go about paying them. I still dont make that much money. I need to fix my credit score and get rid of this debt. Im even scared to post this because of the responses I know im going to get. its been almost 2 years of panicking and avoiding those collector calls. I KNOW how bad this is. I feels like this is going to ruin my life. Please help me figure out how to go about this the right way. i Assistant: Could you post your budget and total credit card debt? I cant tell you everything will be ok, but people have dug themselves out of 100,000s of bad debt in the past. Human: Its about 6,000 of debt. Which i know isnt a LOT compared to others but to me its seems like a hole i cant get out of. And i dont even know what itd be after interest rates. My rent is 400 phone bill is about 100. and i make about 800 every 2 weeks  <response>: You make 1600 a month, your expenses are 500. That leaves you 1100 and you can have all your debt paid off in 5 12 months. I dont understand why youre so stressed about this. It seems completely fine to deal with. 