<prompt> Human: Personal finance, Ive screwed up, big time. I was at a very low point emotionally, and now Ive dug a financial hole I dont think I can get out of. Ill spare you a sob story and excuses, and just say my depression got the better of me, and now Im in 21,000 of credit card debt. This is on top of my 17,000 13,000 checked the balance and had this wrong student loan debt, 1,300 remaining on my auto loan, a 1,400 1,900 misremembered this as well medical debt, and my regular expenses.Without any incidental spending like groceries or gas, my monthly minimums are more than I make. My monthly take home is about 1560, and my total credit card minimums, rent, utilities, student loan payment, car loan, and medical debt payment add up to 2,150.I had a good credit score and excellent history before I started digging this hole about 12,000 10,000 had this number wrong too and a year ago. Ive paid almost entirely on time, paying a day or two late a few times and missing one payment entirely since then. Ive only been able to make minimum payments mostly. I used to be on top of this stuff, but its hell when depressed. Im doing much better organizing myself now and have everything written down now and am paying consistently. Ive been borrowing money from my parents to help fill the gap, but they are running out of lendable funds. My credit score is down, but not ruined. However, due to my high utilization, I cannot find a loan to refinance my credit card debt.Ive been on the job search for months, and have yet to get a single call back. My industry is only semi-skilled, with good for only high school graduate pay, and little benefits. Im in the second highest paid position Ive ever heard of for this job in my city. So moving within the industry wont get me very far. Long term, I plan to go back to school in a much better field. For now, Im willing to take just about anything that pays more than I make now. But even if I get the highest paying job Ive applied for, Im still in a financial mess.Im considering bankruptcy, but I have some questions, beyond is it a good course of action for me. 1. What happens to my car loan? Can I exclude it? Ive nearly got the car paid off, and Ive made every single payment on time. August of 2017 will be my last payment. It would be awesome if I can come out on the other end of this with a positive mark for the car loan, but ultimately I just want to be able to keep my car, because its still got a lot of life left, and Ill be in no position to get another loan anytime soon if I declare bankruptcy. Can I just continue to pay the car loan down duringafter? 2. What happens to my bank account? My checking account is with a bank which also owns about half of my credit card debt and my car loan. Im assuming if I declare bankruptcy, therefore they get nothing on the credit card, they wont want to do business with me anymore. Can they close my account? Will it be difficult for me to open another somewhere else? Can they also somehow void or cancel my car loan?3. Does this effect my ability to rent housing in the future? I know this will greatly effect my ability to buy, but does it affect my ability to rent? Im ok with staying in my current place for some years if Ill get denied elsewhere, right now my biggest worry on this front is they will decline to renew my lease.4. Does this effect my ability to get another student loan? Im not currently planning on taking out another student loan, but Im currently enrolled for an AS in engineering at the local community college, which will then transfer to the state school about 90 minutes away. Ideally, Id like to be able to focus on the program during my senior year and not be working full time. We will have to see how feasible that is when I get there, but taking out a loan for each of the last two semesters is an option that Id like to still have.5. Does this effect my future employment? I know in some instances financial trouble makes one ineligible or at least less eligible for a position, but is this true for every job? Right now Ill literally take what I can find, so I may end up somewhere where Id have to handle money or financial info. I can understand it effecting those jobs, but would it effect something like an engineering position, which is the degree Im going for?Thank you for reading, and thank you for any adviceanswers. Edit: Changed a few numbers to be more accurate, as I was going from memory and got a few incorrect. Also, thank you for the advice. Ill try to get on repayment plans with the credit card companies, and get my student loan deferred if possible. Ill also be calling the hospital to see if they can do anything for me. I see now that there are options before bankruptcy, and will try those before moving forward with bankruptcy. If I do move forward I will find a local lawyer.  <response>: Talk to an attorney. Do not take legal advice from anyone on reddit. 