<prompt> Human: I just had a baby, and i want to start building an emergency fund and finding the best way to bring my debt to 0.Im currently about 13k in credit card debt, and I have a car loan for 20k. I make about 45k a year.I was looking into the snowball method, but realized it might take me longer than I would want. I was thinking of just letting some of my cards fall into collections and save that money to pay off the other cards. Obviously Im sure thats not a good idea, but I feel like Im getting desperate. Please any help or advice will be greatly appreciated. Thank you.  <response>: Sell the car. Get a much, much cheaper one instead or use public transportation. That will do much more for your situation than defaulting on debt, getting sued, and getting your wages garnished. 