<prompt> Human: Im 25, and in the last year my finances turned unfortunate and now Im in debt for the first time in my life; I never even had student loans. Theres 4 accounts I owe on, and because Ive been unemployed, Ive buried my head in the sand out of fear and now its snowballing, which is just absurd. Here they are:Debts 1 and 2: Emergency room visit Dec 2013. Was there for 20-30 min because of a UTI that spread to my kidneys. Peed in a cup, talked to a nurse, a doctor stopped in for two minutes to hand me a prescription for antibiotics. 600 for the doctor, 800 for the ER. Left without knowing my insurance was not yet in effect started Jan 1, the bills came two months later. I tried paying 20 a month until I lost my job and I havent paid anything on them in a long time.Debt 3: Discover card, 1100. I was paying it off responsibly until I lost my income, maxed it out while I rode out the storm, now Im paying back what I can every month. No interest charges for another few months, at least. Amazon Card: 300. This was naive to sign up for, but at the time it seemed like a good solution to buy staples like dog food, and then I was stupid and put my familys christmas presents on it. Theyre charging interest, not sure how much.Right now Im getting phone calls every day that I dont answer. Im trying to hang onto to the few hundred I have in savings until I find a job, but I could pay a monthly minimum. Im just really scared to answer the phone, say the wrong thing, and make it worse. What do I do? How do I handle this? My family is fundamentalist and expected me to have a husband to manage finances, the only thing they taught me is how to balance a checkbook and Im just lost.  <response>: Im there, my personal situation is a bit bleak. Im well past 3,000 and on the verge on losing my first home. So, I know where your coming from. It sucks, you feel hopeless most days. But, the key is that you cannot let yourself succumb to those feelings. All it will do is make you less productive in a time when you need to be proactive.Take care of yourself first and foremost. As it may be tempting to pay those credit card bills, you need to eat and you need a place to live to find another job. As far as the phone calls, I dont think you can make it worse by talking to them. Ive found in most cases creditors know the economy sucks, and will try to work with you. Just be honest an sincere, and DO NOT let them pressure you into paying what you cannot. You have the ability to say no, remember that.You could also seek out a local non-profit credit counseling agency. Im in the process of doing that now actually. Its embarrassing as hell, but I have to swallow my pride and do it. In order to move forward. Ignoring the situation will only make it worse.The worst part about being employed right now is hearing from people that have not been unemployed since 2008. Its a different world today.If I wasnt going though it myself, Id still be one of those ignorant assholes. Ive had friends and family members that had been unemployed long term. I simply did not understand how someone could go an entire year without getting hired. Yet, here I am 7 months later and I still am unable to find work. Hang in there and do the best that you can. Its not easy out there right now. I can certainly vouch for that. 