<prompt> Human: Im 24 years old, I have a 7 month old baby, we live with my fiancé who owns his own house, I have 9k left to pay on my car. I have a few miscellaneous bills such as old electricity, gas, water bills and a few medical bills that are currently fucking up my credit. BUT my biggest concern, by far, is that over the last 3 years Ive racked up roughly 20k on 10 different credit cards. I stopped being able to pay on them, although I do have a good job, and now 10 different companies have been slowly taking me to court, one by one, and garnishing my wages. Wtf do I do? Is bankruptcy an option? I make roughly 20hr and work 40 hour work weeks. Do I make too much money to get out of paying these debts?  <response>: Bankruptcy may be an option, but you make 40kyr and you dont list an overwhelming amount of debt. Post your complete budget all of your debts, interest rates, minimum payments, regular expenses and we can help you make a plan to dig out of this. 