<prompt> Human: I just lost my job and Im tens of thousands in debt due to personal problems that I dont really want to get into because I know I was stupid and I should have avoided. I have probably 15k-20k in credit cad debts with all cards at least 1 month behind. My house is I believe 2 months behind. My car is collateral on a 2k loan. I have 15k in students loans that I havent paid in 2 months at least not to mention I was never able to get a job with that degree anyway. I have about 10k-15k in personal loans that are at least 2 months behind. And I have 1,600 in payday loans that were due 2 days ago. All this and I have 200 in my pocket and almost no food I the house. So have I completely ruined my life? Is there anyway to get back to normal? Im afraid I will lose my house before I can get a new job and I am not qualified for any job near what I was being paid. I just feel like a failure as a human being and I see no light at the end of the tunnel.  <response>: Heroin addict here, clean since March 10, 2012. Let me give you a little hard truth on this matter first.You will never be the savior. People loved me, cared for me, gave me a place to eat and sleep. Then I robbed them. Over and over again I robbed them. I didnt just take their money, I took their time, their peace of mind. Basically what Im trying to say is, you cant get her to kick her habit, she has to want to kick it. Its possible though, so dont lose hope.Bankruptcy here sounds like your best option. Its never something anybody wants to do, but rebuilding your financial life is a process, just like recovery from addiction. Hopefully you will find a solution to both of your problems, but realize that useless you take care of yourself, you cannot care for anyone else. 