<prompt> Human: I acquired a majority of this debt at 21 or 20. Due to my stupid mistakes and my shitty job choice. Would filing for a BK be on my best interest in starting over? I dont plan on getting a house ever Live in California and quit frankly I feel like I slaughtered myself financially. No kids by the way. Credit Score:- 450s Current Annual Gross Income:- 18,000 this was last year and was a rocky year at that, ive done better and still canMonthly Expenses: - Car insurance 100- Phone 100 - Rent 500 live with parents- Gas 150- Food 200Debt:- Medical and Dental 20 - 25K- Debit Cards 1,459- Payday Loans 400- Bank Account Overages 360- Car Loan 1,260- Car Insurances 300- Parking Ticket 300Asset:- Personal Vehicle 5k only caredit: Let me be clear. If you got no advice to offer other than a 1 sentence assumption based attack than do me the favor and dont comment. I am looking for advice.Assistant: Well this one is easy. You need a better paying job and maybe to talk to your parents about reducing or not paying rent so you can get ahead. Your current income is poverty level anywhere but in California its worse.Have you tried negotiating the medical debt down?Human: They will not. They feel no sympathy for me. Theyre assholesUnfortunately, better paying jobs are hard to come by. Especially when employers love to butter you up and screw you over. :Assistant: 500 rent to live in one of the most expensive counties sounds like a pretty good deal to me, tbh. If your parents were assholes theyd tell you to take a hike and figure it out.Just sayin. You should probably be a little more appreciative towards them.Second piece of advice - you can blame employers for your entire life, but if youre not bettering yourself professionally youll ultimately have no one to blame but yourselfHuman: You should probably be a little more appreciative towards themWell you see, you would have to actually know my family.They really dont care. Sure they gave me roof over my head, but at what cost? 500 in rent for what is literally a small storage shed with a pillow of my own and some blankets and enough room to put a little desk for my laptop and a light. Quite frankly, they already threatend to raise the rent on me.Oh and get this, despite all the tweakers that come over and the heavy drug use happening at this house. The grandma who actually owns the house. Allows her 50 year old son my parent who sits on welfare live rent free with no job. And than prior to coming back, kick me out of the house at 18 because I was making too much money and taking food out of his food stamps where I am forced to go live with my mom, in which years later she loses her house, So I come back by barging to pay more rent than what I did before just to get them to say, Yes. And you tell me I am supposed to be appreciate these people? They put theirselves before family.And youre right. I do have no one to blame but myself. Quite frankly I dont know what I want to do. I just feel its annoying when one goes out, gets every certification he can think of in his field only to be low-balled by every employer who doesnt want to negotiate price despite experience and certifications because I am expendable. Its frustrating but I guess thats on me.  <response>: Learn to make yourself non expendable, clearly whatever certifications you received are valued low by employers, find something that they do value instead. What you view as important for the job and what the employer views are different 