<prompt> Human: Like the title says, I have A LOT of credit card debt and I need help handling it. I have five open credit lines.Capital One Platinum: 2,657.40Capital One Quicksliver: 1,436.45Chase: 1,967.20Discover: 4,377.30PayPal Credit: 1,803.76My current take home pay per month is roughly 2000.00.My monthly expenses are:Rent: 500.00Car: 257.00Phone: 151.00Food: 200.00Utilities: 150.00Total of all minimums on all cards is about 300.00I cut up all of my credit cards. I am stupid when it comes to money and I keep considering bankruptcy. This whole situation is giving me very bad anxiety. Any advice on how I tackle this debt would be greatly appreciated.  <response>: You dont owe enough to consider bandruptsy, buckle down and pay it. You will have about 5 crappy years which beats the 7 which a bankruptcy will give you. 