<prompt> Human: Okay, guys... So heres the gist. Im living in China now and I get paid into a Chinese bank account. I have about 2500 in credit card debt and 2500 into my overdraft... Its a little bit insane and I am gonna have a hard time paying this off as I cant do direct transfers from China to UK, Its just incredibly awkward. The thing is, Im probably going to be staying here and never returning to the UK... Should I just declare bankruptcy with my UK bank account, or should I call them to attempt to put all the debts on hold and try and pay it off a little bit at a time while living over here? Because the way it stands right now, with my wages and the situation Im in, my family have agreed to pay the bare minimum each month. But the interest goes over that... So its just a complete waste. I wont be able to reply to any comments, Im sorry for that, because Im going to sleep now. But Ill see the help you guys give me in the morning. I really appreciate any advice you can give.  <response>: Im probably going to be staying here and never returning to the UKthats what everyone thinks when they first get settled abroad. its a huge stupid risk 5k is relatively little money to risk hurting future-youpay off your debt while its only 5k! five months of sending back a thousand bucks and youre clear, do it! remit money however you can western union, bitcoin, SWIFT, ripple, briefcases of cash and pay it off, man.also, rynab , start budgeting if youre not alreadythis is coming from someone who paid of 9k in CC debt while living abroad and remitting to my mom every other month for years 