<prompt> Human: Its taken me two weeks to even be able to make this post and now Im running out of time. It looks like bank of America or whatever this law firm they sent my roughly 4k debt to is sueing me from another state and I have 30 days to send them something. I have no idea what to send them but I know if I keep ignoring this problem Im in for a world of trouble. Likely wage garnishment or something. Im really scared as I already live paycheck to paycheck with about 3 in savings and nothing Im vested anywhere. What are my options Ive talked to this law office a few times in the past 2 years and they never want to work with me. They always want the debt paid by the end of the calendar year which I just cant do. If I could do like a 24 month thing with low or no interest I could do that. My mind is so scattered right now I cant even thing of anything else to say here. Please please please rpersonalfinance youre my only hope to keep me from having to move back in with my mom. :Any and all info, help, even kind words so very appreciated.Edit 1: at work now will make a budget and such and update this tonight or tomo4ow morning thank you all so far for the help. Im terrible with money and have too many vices to list. Time to reign things in and get these expenses on paper so its not so daunting and I can see whats going where. I do have mint but I only use it on my phone and I cant figure out how to addcategorize a lot of the transactions. Edit2: ok I make 14.25 an hour. paychecks are usually around 800 every two weeks so well say 1600 a month rent 415 water - 40 electricity 80 cell - 85 -- time to renew so maybe I can find a new provider sprints too expensive internet - 45 netflix - 9 spotify - 9 food - 200guess Im giving up smoking and drinking for a bit and I guess I do have more money than I thought to put towards this.I have to say Im a little disappointed at the lashing out from some of the commentors but those of you being nice, friendly and helpful you mean the world to me, and reading through these comments helped me actually fall asleep last night. little lost on getoutofdebtfree.org but Im checking it out, my worry is all this advice seems to be stuff I SHOULD HAVE DONE. But now its already being filed in court so I think Im kinda fucked, what happens now if I dont respond? what kind of response options do I have?a side question thats been on my mind, Ive paid all my fines but I still have to take 5 sessions of counseling for my dwi and they specified the place I have to do it. if I leave the state how on earth would I be able to finish up the dwi?thank you all again. if my acid reflux ever relaxes pizza party on me.  <response>: I think you need to look into low cost therapy in your area. Anxiety makes everything so much harder- I have an anxiety disorder.I think youre not being realistic about your situation. Unless you have a very good credit score, youre unlikely to be able to finangle things so you dont have to pay interest on this debt.You work from home, which means that you can work remotely. Moving in with your Mom would allow you to live on very little and pay off this debt. You could take time to re-coup, get your anxiety under control, and build up savings.If you smoke, youre smoking up a large percentage of your disposable income. 