<prompt> Human: Im over 7k in debt for personal loans and the rest is in car debt which got repoed because I wasnt employed for the longest time so would filing for bankruptcy help me. I recently got a job where Im getting paid the slightest bit above minimum wage for Texas. I dont know much about how any of it works but from the people Ive talked to Ive only heard good things. t I dont know if the people Ive talked to are good resources though. I have a problem with alcoholism and they tell me to do it so I dont have to worry about not feeding my habit even though I want to get over it as soon as possible. How should I go about taking care of this?. I want help but I cant afford it with my job and all my debt isnt helping.  <response>: 20k is a drop in the bucket in the grand scheme. Talk to your creditors and work out a payment plan or maybe find a debt consolidation place. Thats not enough debt to file bankruptcy over imho. 