<prompt> Human: Hey everyone, first time poster here, and am not good at recalling stories, so please excuse any mistakes and bare with me. So this all happened about 6 months ago, pulling all this from memory so please ask if you feel like Im missing any information. April 23rd i was at work, and cut my thumb pretty badly, I worked in a restaurant. I had to leave to go to get it bandaged up and came back to work. No big deal really. Later that night after I got off I went to meet a friend at their restaurant. Was driving home from there, hit a slick spot in the road, spun and hit the median and completely wrecked my car. Police came, assessed everything, took the car to the police tow lot and brought me home. I should state that my mom was paying insurance on the car, and when they found out about the accident the next morning she told me theyd get it figured out. I take a week off work because I had badly sprained my ankle and my thumb was still mangled. Drop into a pretty depressed state, as the car was my absolute favorite and I ruined it. Theres always a voice in the back of my head telling me how bad I fuck things up, he was pretty happy about this one. Plus walking on crutches totally demoralized me. For about two months I was constantly asking my mom what the deal with the insurance was and kept getting told shes trying to contact them and cant. I call them one day while on a break at work and find out they didnt have a claim for my accident and that the insurance had lapsed less than 10 days prior to the crash. I call my mom, and hear silence on the other end. Then her telling me, shes working on something to fix it. In this time, i had already found another car to replace mine, filled out all the paperwork for it, put a 10 down payment and gotten approved for financing subject to receiving the total loss statement. In the same week I found out about the insurance, i got in a huge argument with my boss and gave a one week notice. That was the end of June. I called the dealer and told them to story of not having insurance and that i couldnt purchase the car and got my payment back, about 1200 and used that as a month or 6 week vacation to clear my head as i was still severely depressed from both the accident and the situation with work. Also, still thinking that my mom had something brewing. Its now 6 months after the fact, Im still unemployed, because taking a stay-home-vacation only made me even more depressedIve come out of that, otherwise I couldnt even post here. Ive not made my last 3 payments. I get a new excuse every week as to whats going to happen to try to pay the remaining balance off. Mom has had financial issues her whole life so I cant trust her anymore. I simply dont know what the fuck to do. TL;DR - I owe about 5,500 on a car that I totaled with lapsed insurance, payments of 84bi-weekly. I owe student loans of about the same amount that I made arrangements for 23month. I am currently unemployed, living at home not for much longer, going to stay at my grandmas while shes out of the country for a couple months as she knows my moms horrible financial situation and understands I need to be away from the toxicity. and dont have any accessible funds to get out of this mess outright. I dont have a vehicle, which makes it hard to work, which makes it hard to get money to make these payments, which makes it hard to get out of bed some days, but Ive gotta fucking do something soon and I dont know where to start. Ive also learned not to trust fucking anyone with your important finances, even those you think have your best interest at heart. If youve made it this far, thank you so much for reading this all!  <response>: Get a job. Get counseling for your depression and anxiety. 