<prompt> Human: Ive about maxed out all the below credit cards except Target. Ive missed payments and will most likely miss more. Do I have any options here? Best case scenario I get a new job within the month paying 50-55k salary...I was so irresponsible and cant believe I was so careless to let it get to this. I was afraid to total the numbers for months... My stomach is literally churning right now. Should I just run to family members begging for help at this point? Declare bankruptcy?American Express is COMPLETELY maxed out and has been frozen for months.Bank Account Balance 294.13 --------- ---------------Credit LineCurrent BalanceAPR American Express Card 6,824.06 27.49Capital One Card 4,210.0520.05Bestbuy Card 2,580.8528.24Target Card 33.7923.15---------Furniture 1 Credit Line 1,620.0029.99Furniture 2 Credit Line417.5029.99CAR Credit Line 5,171.205.12---------Total Debts Sum of above Debts -20,857.45---------Net Worth Bank Account - Total Debts -20,563.32I appreciate any input. Thank you for the look.  <response>: The first step is to secure a new job. The second step is for you to come to the understanding that you truly do have a spending problem and you have to fix it. It is even more irresponsible to declare bankruptcy since all of the debt you have is credit card debt and none of it is medical. You voluntarily dug a hole for yourself and now you need to climb out of it. Stop financing things you cannot afford and start to live more within your means. 