<prompt> Human: The problem is that I dont make enough money to pay all my bills anymore. I have two credit cards, one I pay the minimum, the other I dont pay at all, and it went into collections about a month ago. That is where the Im dumb part comes in. By the time Im done paying my car payment, car insurance, and one of my cards, I barely have money for gas to get to work, or food to eat. Im about to get a promotion and raise at work, but that wont be until fall. I have collection agencies calling me up the butt right now, talking about all this asset seizing stuff, and legal things. Im totally overwhelmed, and I have no idea what Im doing.  <response>: The Problem is that I dont make enough money to pay all my bills anymore.You need to either increase your income or decrease your bills.By the time Im done paying my car payment, car insurance and one of my cards, I barely have money for gas to get to work, or food to eat.It sounds like you are living way above your means. Why dont you start by giving us a detailed budget. What money you have coming in and what money you have going out. Maybe we can help you work out the kinks.Also, I would suggest looking for a second job of some sort. 