<prompt> Human: This is my situation:Havent worked in 3 years. Gone through all my savings ...everything. There is nothing left. Have about 50k in credit card debt. None of the cards are valid any longer. One has been sold to a collection agency. I havent really been in contact with them.The other two I am behind payments by two months. Both of these I am supposed to be making reduced payments.I have about 3k in cash and a car, with two payments left, that is worth about 8k. I am also supposed to be making payments to the IRS of 175 a month. I am trying to contact them to get them stop collecting for a while but its almost impossible to get a person on the phone.During these last couple of years I kept thinking that things would turn around, but they just never have for me. I am in the process of having a moving sale which will not yield much. Anything that doesnt sell is going to Goodwill and moving in with relatives in another state and find a job. It will probably be a shit job as my credit score has turn to crap.Last night was the first time in my life where I just lost all hope. What are my options with this CC debt?Thanks!  <response>: During these last couple of years I kept thinking that things would turn around, but they just never have for me.What does this mean? Rarely does anyones life just turn around without deliberate and focused actionable efforts to correct whatever the problem is. You need to elaborate in full about what happened during those 3 workless years that you just yada yada yaded over. Declare bankruptcy, stay with relatives as long as you can to build up a savings after you get a new job, invest in yourself with training, reading, anything to give you a leg up in your chosen field or a new one. How old are you? It will probably be a shit job as my credit score has turn to crap. Last night was the first time in my life where I just lost all hope.See a therapist to talk through whatever life issues are causing you all this trouble. Youve already predetermined in your own mind that you wont be successful once you get a fresh start either. This type of thinking will lead you nowhere in life. 