<prompt> Human: Hi guys,I dont even know where to start. I am so stressed and I feel like I am running out of options. I guess Ill start by explaining that Im one of those kids whose parents took advantage of their good credit. My credit score was around 730 when I started my first year in college and up until I left, a lot of things were put into my name and on my card because my parents had no other options. My parents were always TERRIBLE with money and I basically grew up around financial burdens. My first year of college was extremely hard and I was working full time but not making enough to pay all my bills. My freshman year I ended up being so stressed that my mom convinced me to move home for the summer. She told me she would cover the 3 months of rent I still owed and never did. That was 2736 dollars that was sent to collections. After that I still stupidly agreed to let my family use my name and credit to start a Verizon family plan. They racked up a huge bill one month that nobody could pay and that 1595 was also sent to collections. This, on top of all my student debt, and a few other unpaid bills have made my credit score TERRIBLE. I feel like I am drowning in debt and that Im a failure. So REDDIT, I was wondering if you all could help me. I need some sort of financial plan to get my credit score up and get out of debt. I appreciate any help I can get. . Also, My parents told me they were paying my car payments as long as I was paying forgoing to school full time, but that wasnt true. My car got repossessed this morning so if anyone has car advice too, Ill take it :Here is all my debt financial info please dont judge, Im already so embarrassedIm a 24 year old woman and I work 40 hours a week making 19 an hour.Right this second I have 277 in my bank account NO Savings Bills monthlyRent: 947.50Phone Bill: 115Utilities: 60Medicine: 140Gas: 120Food: 250Below is my credit score and all the debt I have in collections:CS: 543 VERY HIGH RISKCharter Communications: 121Verizon Wireless: 1595UF STUDENT LOAN: 2429UF FED STUDENT LOAN: 5223CANOPY APARTMENTS: 267WALMART CREDIT CARD: 150UF FED STUDENT LOAN: 2173UF FED STUDENT LOAN: 813UF FED STUDENT LOAN: 2250UF FED STUDENT LOAN: 2429GAINESVILLE PLACE APARTMENTS: 2286UF FEDERAL STUDENT LOAN: 4500CHASE CREDIT CARD: 1500CHASE CREDIT CARD 455Send help!  <response>: My mom told me she would cover the 3 months of rent I still owed and never did. My family racked up a huge bill one month that nobody could pay and that 1595 was also sent to collections. My parents told me they were paying my car payments as long as I was paying forgoing to school full time, but that wasnt true.Step number 1: stop the bleeding, stop letting your family take advantage of you. Dont believe if they say theyll pay for things for you, dont agree to let them put things in your name. If they do anyway, you can file a police report and dispute the charge with the credit agencies. 