<prompt> Human: As of right now, I am currently over 4,000 in debt, and my credit is suffering due to maxed out cards. I live fairly paycheck to pay check in order to pay all bills, and I rarely miss payments, but I cant manage to actually keep from maxing out before next billing cycle.Im considering pawning the title to my car, which will net me around 4,500. Ideally what Id do is use that money to pay off the cardslines of credit I have open, and consolidate the monthly bills down to a single bill to pay instead.I know it will be harder for me to get the title back, but with all of my cards sitting maxed only to be maxed out again once paid, I fear Ill never be able to fix my credit. Any suggestions as far as my situation goes? Should I focus on saving as much money as possible and try to stop using the cards, or consolidate down to one bill to try and build credit back?  <response>: Your credit score is the least of your worries. Pawning the title to your car is a terrible idea when it sounds like all youd be doing is swapping one debt for another while putting a major asset at risk Im assuming you use your car to get to work here. 