<prompt> Human: I have never missed a payment, always on time. My credit reads as having many accounts, all in good standing, but high utilization bringing my score down. I have been staying with family and cannot move out because of my credit card debt. I have been trying to pay it down, which I did a little bit of, I was able to pay down about 4,000 recently. Now my car is leaking oil, I have a few thousand dollars in the bank, and I want a place of my own. I cannot rent a place of my own because of this debt, the payments are more than rent at a new place. Is bankruptcy a valid option? If I ate ramen and water for 2 years I would still be stuck trying to pay this off for years more to come.I have had this debt lingering for almost a decade now, with it ranging from 20k to 10k, then now back to 30k after years of spotty employment. I have steady work now, however I will take a very long time, years, to pay off the 30k. I want my life back, if something happened to my family who I am with I wouldnt be able to survive on my own while still paying these bills. I am considering bankruptcy. I simply want the life I never had, I fell into the credit card trap in my early 20s and have never been able to get out. It has been a decade now, I had 6 years of spotty employment which is the main reason I have had it lingering. I want to start dating for marriage, possibly start a family, I dont mind paying for things with cash until it drops off. If I keep trying to pay off this credit card debt I will have to continue putting off my life for a long time. I want my life, I want to live life and enjoy, not be a debt paying machine who cant live on my own because my minimum payments total 1kmonth. Bankruptcy?  <response>: You need regular work, either with or without bankruptcy. Solve this problem first. 