<prompt> Human: I have been on PF for awhile, have read numerous bankruptcy threads, and researched the filing process, but since I cant see anything clearly, Im looking for an outside perspective.I have 30,000 in credit card debt, across 8 cards, with an average interest rate of 17. My combined minimum payments were 750 and months before I stopped paying in October, I had inquired about temporary assistance since I had never been late on any payments, I optimistically thought it couldnt hurt to ask about lowering the interest or consolidating with no luck. The only assistance any of the cards now offer is to close them and enroll in payment plans that I cant afford, either.Heres a breakdown of monthly expenses: - I have been been living in a rundown motel room with my mom for over a year. Its 340 a week and we have to leave every 28th day and go to another motel for a night, which runs between 70-110. - Food is 150 a month for both of us. Its nearly impossible to spend less than that since we dont have a place to store or cook food, and my mom has a severe food allergy that we need to work around.- My phone is 85 a month but is a few months behind and will be shut off Monday.- 40-50 a month goes to Lyft or Uber. We walk to get groceries and I walk to and from work when I can, but honestly there are just some days where I cant walk miles at 10pm.- Once a month, I buy a 7 movie ticket early in the morning and spend a day sneaking into other movies. I spend 2 on Raisinets and 1.79 on a Diet Coke. This is cheaper than losing my mind.My mom had a job that ended in August and has only found sporadic work since. I lost my online busines this year due to the living situation and finally found a full time job in October that paid 850 bi-weekly...just in time for the company to cut hours in half and announce theyll be closing in January. Ive been applying to other places but seem to have missed the holiday hiring season. For a bit of background, my mom was the sole survivor of a bacterial meningitis outbreak that has impacted her memory, has several inoperable slipped discs, went through five lumpectomies, and has a gluten intolerance so severe that her liver failed before doctors realized what was wrong. There is no other family, so these are things we financially went through together. Mere weeks after she received a small inheritance that helped pay down much of the debt incurred by this, she was injured and lost permanent partial use of her hand and arm. She was a woodworker and this was...not good. While she has a lawyer, the insurance company for the party at fault for her injury is dragging it into a trial. Things have spiraled since then and weve lost basically everything. Shes 61 and soon eligible for SS, but I doubt itll be much. My point of including that info is to clarify that she is not financially irresponsible. Shes an amazing person who has had an absolutely horrific life, and this paragraph doesnt even cover half of what shes been through.But back to whether or not I should file for bankruptcy, assuming I could even get the money together to do that. I seem to be a good candidate for it - no car, no assets, and no reason to worry Ill be denied a rental in the future, because thats likely not happening either way. However, I keep convincing myself I can find a way out of this. Bankruptcy is something I would have to disclose for the rest of my life. I tried so hard to be responsible, save, and build credit so that I could buy a house for both of us in my 30s. You can go through all eight years of my statements and you wont find a Nordstrom shopping spree, trip to Cancun, or a restaurant charge. Hell, Ive wanted a Dominos pizza for 5 years but could never justify spending 20 on a pizza. I have obviously lived above my means for the last two years, but only because my options were to charge motel rooms or sleep on the streets with my 60 something mother and dogs. So is bankruptcy the logical next step? Do I wait until the spring to see how the trial goes my mom insists on giving me part of a potential settlement, but I would rather not or will my credit be too shot by then to bother? The last time I checked my credit score in September, it was 620 down from 740 before the accident and Im sure its gone down more since Ive stopped paying the cards. Is it better to let everything go to collections and play the please verify this debt game?Im overwhelmed and appreciate any advice. I had planned on killing myself before Christmas but since it looks like Im not going to be able to go through with that, I figured I should start trying to plan 2017.Edit: Ill add that yes, we have contacted 211, churches, local services, etc. multiple times over the last year. There is no assistance available.Edit 2: Its not really relevant, but Im a she, not a he. I know everyone on Reddit is a guy or a dog or possibly a potato denier, but I snuck in.  <response>: Hi OP, I wanted to share some resources with you:If you are considering suicide, please call the National Suicide Prevention Lifeline at 1-800-273-8255 immediately. There is also a list of alternative and international phone numbers.rsuicidewatch is currently the most prominent subreddit featuring support for other redditors suffering from suicidal thoughts. Here is a list of resources for those struggling. 