<prompt> Human: Basically I am in collections for numerous bills, mostly medical, that I havent been paying. As far as I am aware this is what Im on the hook for: I took out a small 2000 student loan in 2007 that I have made sporadic payments on over the years, but I actually owe about 2500 on it still due to the interest over the years. This is in collections at this time. I owe various collection agencies somewhere around 3500 for medical bills that I have been unable to pay from when I gave birth in 2016. I also have medical bills from a surgery I had last year, an er visit, and my sons drs office. I applied for financial assistance for the surgery and set up a payment plan with the hospital for this, but it is difficult for to be able to pay the amount they want monthly. They were not very flexible with my monthly payment because they already gave me financial assistance that took off 40 of my bill. Everything else is in collections at a bunch of different places. There are so many separate bills, even from the same visits, that it is really difficult to figure out what exactly I owe and to whom.I also took out a loan from my 401K while I was on maternity leave in 2016 for about 2500. I never paid it back. I had to pay 700 out of my income tax return to pay taxes on it, the representative from prudential said that they would treat it as income on my taxes. Will this be the end of this loan problem since I paid these taxes on it? I know my credit will take a hit, but do I also still have to pay it back?I am not even 100 sure of the exact amount of money I owe on all of this, or who I have to pay. How do I figure out exactly what needs to be taken care of? And how can I get through this? Obviously I am terrible at managing finances and have made some regrettable decisions. I was planning on using my tax return money to take care of some of this, but of course I have car problems and have to use all of the money for that instead. I have almost no money to pay for all of this debt, my husband and I can barely make ends meet. I have considered declaring bankruptcy but Im not even sure if that would help in this situation. We both make around 14 an hour and have to pay rent, insurance, 2 car payments, daycare and utilities on top of everything else. We make too much money to qualify for state assistance. We honestly have very little money that I can throw at all these bills.What in the world do I do to get this sorted out? I want to fix this. The stress is killing me.Assistant: First im sorry your going through this. You seem overwhelmed. I know you made this situation for yourself but i know its hard, its good you are wanting to take care of this now. You need to pull your credit report. It will have all the debts abd there status. Give you a proper idea. I know its scary and its horrifying to see those numbers but you are better off knowing. We need real numbers to help you make room in your budget so income and expenses. Human: Thank you so much for responding! So my finances look like this:We have around 4000 to work with each month. I have to pay: 330 for health insurance 610 for rent 640 for car payments and insurance 120 for minimum balances on my two credit cards 275 for utilities 100 for medical bills not in collections 400 for groceries and diapers 400 for daycareThis is the first time Ive looked at my monthly expenses this way and I can definitely see why things are tight... Thank you for suggesting to check my credit report. Ive been avoiding looking at it for years but it seems like its time to face the facts.EDIT- I need to consult with my husband on these figures because I am way off on a few of these numbersAssistant: Your car payment is ridiculous , you cannot afford a nice car. How are you with so many medical bills while having insurance? Based on your numbers you have a good extra 1k, where is that going? Also you probably know that but u cant afford another baby, this one set you back with crazy bills and new expenses that you cannot double up. Try to only have one car if, sell second one and start tackling that debt. First find out how much you how and attack things with highest interest rates. Human: Sorry for the confusion, the car number was for two car payments and their insurance. We both drive early 2000s used cars that have to have expensive full coverage insurance. And we are definitely not having any more children until we can unbury ourselves here. My health insurance sucks, it is expensive and covers not very much. I think I have a math error in my figures somewhere so I am going to take another look at it.  <response>: Why do your fifteen-year-old cars need expensive, full coverage? What do you owe on the cars? At what interest rate? 