<prompt> Human: Hello, as the title suggests, Im thinking about moving back to the US short term only. Ive got outstanding debt of over 100k which were meant for college, business, personal expenses etc. Im in big financial trouble but I simply dont know where to start. I simply dont have a way to pay back any of that from next month. thats a different story. Since Im not in the US, my first priority is on ensuring that I wont get arrested. What should I do in years to follow? I dont have plans to live in the US in immediate future. Ive got so much trouble in my personal life that this isnt the biggest issue. However, this is also one of them. I looked up some posts related to mine and they suggested that someone in my position should be filing for bankruptcy. Im a resident of KY and I havent defaulted yet! PLEASE Help! Merry Christmas! EDIT : Im Talking about AMERICAN CC Debt! Thank you Assistant: You wont get arrested for having huge debt. You could possibly get arrested upon entry if you have outstanding warrants.It is hard to say without more information but from your post it sounds like bankruptcy might be the best option. It would be better to do it sooner rather than later. It takes 7 to 10 years for a bankruptcy to drop from your credit report. Also be aware, that you probably wont be able to discharge any federal student loan debt.Human: how do i file for bankruptcy? I barely have 500 in my account. Would the warrant be related to this? as of now, I havent defaulted on my loans. My record is clean the only offense so far is traffic tickets  <response>: If your record is clean, dont worry about warrants. As far as filling for bankruptcy, usually people use a attorney and the cost varies. 