<prompt> Human: Hello, I am 20, no income with credit card debt. I have 3 store cards with no idea how much is on them, and then a credit card with about 3,500 on it. I thought about filing for chapter 7 bankruptcy because I currently am out of a job and having trouble finding one due to poor credit, but Im unsure of how it will affect me in the future. I just need help. I need some options laid out in front of me.  <response>: I honestly would not do that, 3,500 is not much, how much is on the store cards take a guess??? 500 each?Lets say you have 6,000 total in debt this is manageable. You need to apply everywhere, you current have no income so you are living with your parents? Any minimum wage job would be able to pay this debt off in under a year since you probably have no rent payments. 