<prompt> Human: Ok, just a brief history as to how I got here. I am currently 28 years old, and I have had an alcohol problem for most of my life. My lowest point was back on August 5th, when I visited my family and got into a fist fight with them over nothing. I was more involved with partying than paying any bills and ran up quite a lot of debt on my credit cards. I am currently having big problems with my finances and I want to pay my bills off, but I am clueless as to how to start and what to do.I have a credit score of 527 and dropping fastHere are my current debts:Visa Platinum - 19.99 APR 8,024.59Capital One - 19.99 APR 659.60 Capital One - 19.99 APR 214.00Credit One Bank - 19.99 APR 404.00Also, because I did not pay rent for 2 months and abandoned the apartment I was living in, I received papers from a lawyers office to pay 3,679.00 in owed rent, plus court, lawyer and tax fees.I am currently salary getting a check of 954.59 every 2 weeks.My expenses are as follows:Car Insurance - 79.10Car Payment - 311.12Rent - 400.00 pmGas - 50.00 per weekTolls - 20.00 per monthFood - 40.00 per week.I am wondering which way to go, declare bankruptcy and start new, or should I do debt consolidation? Where or how do I begin?  <response>: You might have incorrectly formatted line breaks. To create a line break, either put two spaces at the end of the line or put an extra blank line in-between lines. See Reddits page on commenting for more information.I have attempted to automatically fix your sections that had incorrect line breaks:--- Car Insurance - 79.10 Car Payment - 311.12 Rent - 400.00 pm Gas - 50.00 per week Tolls - 20.00 per month Food - 40.00 per week.---I am a bot. Contact upentium4borg with any feedback. 