<prompt> Human: Ill try to give out as much info as I can. Im in need of some helpful advice on this situation. When it comes to personal finance, Im more than lacking in knowledge. Im also aware that Ive made some really stupid choices repeatedly, and that obtaining so many accounts was an idiotic choice. I do plan on getting professional advice, but thought Id hit Reddit first.About 6 months ago I lost my job, and since that time, my credit card debt has risen, as half of my bills have been put on credit cards. Ive currently got 4 cards maxed out, along with a paypal credit account, and a small loan from lending club. In total I have around 12,600 split across 6 differing accounts. Most of my accounts are several payments behind.Im actively seeking employment, but so far Ive had terrible luck. My question is, would this be a good time to file chapter 7 bankruptcy or just continue to fail making payments? Im starting to receive calls from credit card companies about overdue payments. Im scared I might be sued. Does chapter 7 require a lawyer? Or is this something that can be done on your own?Any help would be greatly appreciated. Thanks!  <response>: Yea at this point you need A JOB. Not THE job. McDonalds money is still money. 