<prompt> Human: Some information to start off with, I am 23 making 44k take home this year. I have approximately 18k in debt with 10k being from cc and the other from a personal loan. I am terrible with money so I have almost nothing in my bank account. I have like an idiot stopped paying any of the bills and I assume all are in a collections status. It is across 5? different lenders. Today I received a summons of 3k I live in Nebraska. I have 20k in my 401k but idk how withrdrawing works. I could probably talk to family to pay this one but I stopped paying all of them around the same time. Im afraid if this one is going to court the rest will follow suit. I rent a home owned by family, I pay for my car that is under my parents name I believe Im a co-signer so I have no idea how this would affect my car. Idk where to start and with the summons I am now on a pretty strict deadline. Is bankruptcy my best option? I have read a lot of different posts advising different things that keep steering me back and forth. Any help is greatly appreciated.  <response>: You could pay off all that debt in 24 months if you wanted to.The big problem is, as you put it, you are terrible with money.You want to fix that first. Even if you did get bankruptcy, if you are still terrible with money afterwards, you are not in the clear. 