<prompt> Human: Ive not had a paycheck since May; I owe PayPal 500; I owe Credit Cards 900; I owe 2000 Medical Bills plus dental care coming up . Checking accounts are at -100; my Bank of America is -1000 due to over draft fees. At the end of the day ; they waive some fees , give me some more days; but I cant pay! I have health issues and cannot work and the jobs I do apply for deny me because of my felony which I cant expunge for two more years Im being treated as dumb and as a criminal by the banks and my family ! What do I do?I have a 517 credit score even debt consolidation denies me  <response>: You need to find a way to create income one way or another and pay the debts. Thats really all it takes. 