<prompt> Human: Ive never posted to reddit before so sorry if this has been done time and time again. I am 26 years old, and have at least 15,000 in debt. My credit is supposedly 550 ishHeres my details, recounting to the best of my ability:Medical Bills - 2000Past Due Bills car insurance, credit cards, etc - 2000UC not a loan, directly owe them - 12,000Owed from 2 years not filing taxes - Assumed 1000Monthly income - Calculated minus taxes because my returns get taken and I dont see that money - Job 1 700, Job 2, 200, total 900. Rent - 650Bills, food, gas - Everything left 300I dont make enough to cover it, and make up for it by selling my things or borrowing money. Theres no way on gods green earth I can afford my debt. I have a car worth less than 2k in my name given to me and thats it. I dont own property, stock, no savings, and as of today 27 in the bank. Filing for bankruptcy seems to be the only way. Am I wrong? Edit: Might be losing Job 1 on a technicality. Not getting fired  <response>: Bankruptcy is awesome, but there are a lot of myths out there about it. Many of those myths are pushed by places that are hurt by bankruptcy, like credit card companies.Filing costs 335. An attorney will cost between 800 and 1200, and is very strongly recommended. Youd effectively be paying 1500 to remove 15000 in debt. The process itself is very easy: you have to spend about an hour gather up some documents income verification, taxes, titles, leases, bank statements, etc. The lawyer will give you a complete list based on your situation and help you get them. You also have to attend a 15 minute hearing with a trustee and take two boring online courses of about 1 hour each.Just keep in mind that you can only do it once every 8 years unless you go for a Chapter 13, which you dont want to do.Start by Googling bankruptcy attorneys in your area, having a few phone consultations, and then picking the one that you are the most comfortable with. 