<prompt> Human: Consider that a person has racked up 100K debt over 7 years, of which 50K is credit cardunsecured loans, 25K student loan, 25K car loan. This person is now unemployed, all savings have been exhausted with no real estate property. The only property which is a car thats financed is underwater, would have to pay 5000 out of pocket just to get rid of it. This person also has family of 4 to take care of, two teenagers and a spouse who cant work. Payments are 3 months delinquent. Any realistic immediate employment would at best make enough to cover a part of rent food after tax. This person does not believe in seeking government aids unless unavoidable...Is there a way out?  <response>: Bankruptcy sounds like hisher best option. It will not prevent himher from getting into the same situation in another 10 years. Heshe has to fix spending habits. 