<prompt> Human: Hey guys need some advise here.Im 30 years old, had a decent job saved a lot of money never had issues with money perfect credit all that. An opportunity arose to open a business and I took the chance put every dollar I had into it and its now been a failure and Ive basically lost 120k cash, and just to keep the business a float I used credit cards that led to over 40k in CC debit.Ive been looking for a job for the past year with no luck but something has just arose and I should be getting a part time job about 24 hours a week at 18 dollars an hour. Im currently living with my parents so I dont have any rent to pay, I cant afford a car, and still owe 4k for the car that I havent been able to pay off since no job no money no payments. Im starting to get worried about the CC debt because its been almost a year since a paid anything and the phone calls are getting more frequent and my credit is now destroyed. I plan or was planning on getting engaged moving out and starting an adult life by now but that business investment completely destroyed all my plans, cause me to go into a bad depression and even led to drug abuse which was never a issue for me. So you can see how things are just piling up and up and up and its going to soon crash if I dont do something about it.When I start this job which is supposed to become full time after a few weeks I should be able to at least get back on my feet somewhat.I guess what Im asking you is what can I do about this CC debt? I hear and read I can negotiate with the collectors, not sure if that true or not.If anyone has the time and could put there feet in my shoes and explain exactly what you would do to get back to a normal debt free life please help.  <response>: Work on improving your mental health and take care of any drug issues. Your finances are going to be bad for 7 years. Youll have years to work on or repair that. Just get healthy first rather than going full steam ahead in the credit repair or working two jobs. Whether you pay it off today or not pay it off period, its going to be bad debt on your record for 7 years. So health first. 