<prompt> Human: Im in desperate need of help. Im up to my eyeballs in debt and dont know where to go from here. I know Ive made some awful mistakes in the past, and Im trying to right my wrongs and be responsible.I had 3 credit card accounts that have all been charged off and at least one is currently in collections. Two are with Capital One and one is was? with Credit One. Balances:Capital One 1: 6kCapital One 2: 4.6kCredit One: 700 owned by a collections agencyChrysler Capital: 21k bought car 5 years ago for 26kUS Dept of Education Loans: 9.6kCable Company: 700Total debt: 45k, all delinquent except car, and at least one account is currently in collections. Additionally, I have multiple 306090 days past due flags on my car loan.I currently make 2,600 a month. My credit score is around 470 Credit Karma and my budget is currently:Eating Out: 450Groceries: 0 I know, I knowRent: 150Phone: 40Car Insurance: 250Car Payment: 505Car Maintenance: 150Gas: 170Smoke: 270Child Support: 300Personal Hygiene: 70Misc: 100Total: 2,455 a monthOpen Questions:Can I just have my car repossessed and buy a beater for under 3k or so?What should I do with my charged off credit card accounts? Which should I pay first?Do I have any additional financing options here? Loan sharks? Debt consolidation loan? Devil contracts?Assistant: Almost half 47.7 of your monthly income is going towards your car and anything related to it! I dont have much to offer in terms of what to do in your situation, but Id get rid of that car and start walkingbiking to work, or using public transportation. Also, what do you mean by smoke?Human: Unfortunately, I live in Central Florida and walking is not an option here. Public transportation is also horrid. Do you have any ideas on how I could get rid of the car?Lets just say that smoke includes, but is not limited to cigarettes.  <response>: I dont know how you could get rid of the car, but Id suggest once you find out, that you learn how to cook rice and beans, and that you stop smoking. That miscellaneous category will also have to go. For the next year, your job should be to learn how to live on the bare minimum 900 for you, including child support. Fortunately, you pay close to nothing for rent. Your new monthly budget should look something like this: Debt re-payment: 1,700Child Support: 300Groceries: 225Rent: 150Transportation: 135Personal Hygiene: 50Phone: 40Total: 2600Try also increasing your income working overtime, getting a PT job, selling things you dont need, etc.I wish I could offer more concrete advice. Good luck to you. 