<prompt> Human: Hello all,I have some pretty bad debt. Early last year I got on the Credit Care dental thing for 3,000. I made one payment of 50, and I never even got all the dental work done I was in really bad shape with a crappy job drugs back then. I didnt even care one iota about myself or my future. Really stupid. I guess they sold this debt to a lawyer who has been sending letters. I want to figure out how to approach this guy in order to rectify the situation.I also have a credit card balance to pay of around 600-700 unfortunately I closed the account a couple years ago which was really dumb.Then there is the medical bill of 400.And of course my car loan which is at about 600. Ive been making regular payments on this for a few years now, and need to wipe it out.The good news is that I have gotten a really great job about 4 months ago that I love. I make around 300-500 a week. However, I have such a bad habit when it comes to money. I really dont have a budget and am just a bad spender. I cant seem to keep any money, and even though Im making good cash I havent done the right thing which is to pay off all this crappy debt.Besides all these debts I dont have much in terms of bills. I live with my folks and my father has been trying to help me out. The only required expense is my 30 phone bill. I work from home so I dont even need to buy gas anymore.How can I take control of this? I am afraid it will destroy me if I dont do something. Please help!  <response>: Your first thing to do is to get yourself a budget. There is mint.com, YNAB, and spreadsheets on the sidebar. 