<prompt> Human: Good morning my fellow redactors, Ive been a long time lurker, not so much on this sub, but I have been subscribed, and I havent ever posted anything, but if theres anywhere where I can get help, its from you guys! Ive seen many stories where you guys give great advice and now I ask if you guys can lend a hand to a desperate soul. So my journey begins about 6 years ago when I took out my very first credit card, I thought I could handle it, do well and sadly tons of bad decisions later, I find myself in a really rough spot. The big one here, would be when I got my DUI. I was driving a rental, that I had acquired through a KIA dealership because one of their employees crashed into me, and because we wanted to avoid getting insurances involved, they ended up giving me a rental for one dollar. fast forward to a couple of months later, i was celebrating my brothers birthday, and idiotically crashed into another car Nobody was hurt, thanks to the old gods and the new, but i was taken in for a DUI, the car had insurance, but now they still want me to pay it, and thats like 12K of the debt. The rest are from a couple of collections agencies and from credit cards that are past due. I have flirted with the idea of filing for bankruptcy, but I dont know if that would help. My income is about 475 a week, maybe a little more at times. What can you guys advise me?My budget for the month pretty much looks like this, I pay 950 every month for rent, I have a car note thats about 475, The internet and cable are at about 140. Monthly budget for food is about 300. Gas is 160 per month.The debts that I know I have so far is the one for that car they want me to pay, they havent given me a payment plan or anything, its been a constant battle.The collections that was taken to court they want paid off right away as well, all the cards I had are in collections now, and I have just received the statements from collections so I will be asking about if payment plans are available for those.One is for 2965Another for 1983With the balance on my only remaining credit card at 432 out of 500  <response>: you posted alot about how you got in this situation, but nothing much regarding your current income, expenses, where your money is going, etc. 