<prompt> Human: Homeless and Jobless for almost a year. Used cards without regards to monthly payments but have been making the minimum. The grace period on 2 cards that total 3400 are ending in a few months and will begin to incur interest charges. I either have to pay this off or file for bankruptcy. What are my options?  <response>: You dont file for banktuptcy over 3400. You can just default on the cards if it comes to that.There is record low unemployment now. If you cant get a job now, what are you going to do when the economy gets worse? You need to change something about what you are doing to find work. 