<prompt> Human: So, for a long time several years I maintained a great credit score with a credit card and a car loan. The car got paid off and my credit still good. Then a series of unfortunate... occurrences had put me in tough place while finishing my degree and I did and after. Things got bad.Credit debt went through the roof, student loans hit, and I had my own place for the first time couldnt afford but couldnt go back home due to toxic environment. Bills and rent got extremely difficult to cover. Things got worse.All in all, I my debt well surpassed me. I have 3 credit cards well i have the bills, destroyed the cards long ago, 3 student loans 1 fed, 2 private, a medical bill although not too large, and the regular bills. I have roommates now so rent and utilities is no longer unbearable but I cant keep up with other things.After years I finally have a job that I love but doesnt pay enough for my problems. So I just picked up a second job just started this week.For too long I foolishly kept telling myself, it will get better, without being active about it. Now I want to take control and fix things.I have had my cards for several years with no problems but now have had too many times I couldnt pay for several months. I know its bad, I see my mistakes and am trying to learn and fix those mistakes. Now two cards are in collections and I have trouble keeping up with the loans as well. I have a large private loan that I needed to pay a lawyer in a bad moment.CC 1: 10k I know bad had gone to collections but I made a payment plan deal that temporarily lowered interest and have kept up with payments for several months sinceCC 2: 5k this has gone to collections but I havent been able to keep up with any real payment.CC 3 800 also in collections and poor recent payment historyAll 3 have roughly the same interest rate and I can still make direct payments to those companies so from what I gather they havent sold the debt to collectors. I read about disputes on here but I have the feeling it wont work for me Im pretty sure I have admitted the debt over the phone at some point while trying wade through the shit sea.The student loans amount to roughly another 45k. The private loan for lawyer which includes a little debt rolled from a higher interest rate cardIs down to about 7k.I know I did this to myself and realize my mistakes. Cards are destroyed have been for some time and I dont charge anything anymore, but often borrow money from my gf that I cant always pay back. I havent making enough to make consistent payments to anything but the private loan and the largest credit card after rent and such. I just started the new second job and should be earning enough to cover all these bills.Because of not being able to pay recently on some of these debts the minimum payments they are asking for is simply undoable for me.Cc2 wants 1k and cc 3 wants 300. Private students want 200 and 300. I cant do this but want to take care of my situation.I did just get about 1000 from my tax return and plan on using it for my bills.I am asking for advice on how best to proceed with this situation. Is there anything I can do to mitigate some of this? I need to make a solid plan but after lurking here I just feel like I dont know enough to handle this situation in the best way possible. I am hoping you help me make this plan. Thank you for any advice you can give me.  <response>: List a full budget. Income and all expenses. If you dont have one, that is step 1. 