<prompt> Human: Hello,I have about 18,000 in credit card debt, and I am unable to continue to make the payments. I am considering bankruptcy, but I want to know if there are other options. I make about 28,000 a year, and have a car payment of 310 per month, as well as rent for 600 a month. Any help would be appreciated, I have no idea what to do.  <response>: Why do you have such an expensive car on that income with that much debt? Sell your car asap, pay off whatever you still owe on it, and buy whatever clunker you can with the cash left. Reallocate those car payments to the credit card. 