<prompt> Human: Just as title stated. When I made money I partied it all away. Defaulted on almost everything ive ever owned and touched. Last two years have really opened my eyes to how much ive fucked everything up. My credit score is at 515, I cant even get a phone plan. I didnt work a proper job for the last four years, and just in Jan I now have a steady monday-friday job. The total owed to lenders is around 10 grand, mostly to credit card and phone companies. The actual value is at 15ish but a bunch of values have written off debt next to them. Every financial advisor says im fucked, its a shame to go bankrupt for 10 grand but it would take nearly 7 years to rebuild and pay everybody off. Im about to pull the trigger but I figured ive been on reddit for almost 5 years and very rarely posted, so if anybody has ideas or any thoughts lemme know. I dont mind posting more details if needed but for privacy sake ill be vague with what I can.Assistant: What is your income? 10K should not be enough to go bankrupt over. A bankruptcy will haunt you for a very long time, and costs a fair amount on its own to do.Human: costs under 2 grand and 9 months then the 7 year wait starts.  <response>: Sounds like you made ughazzies point. 