<prompt> Human: I live in Louisiana. Im 20-25, Im currently a waitress making roughly 400-600 a week, if Im lucky. I am a single parent of a 4 year old. I am financing a car at 21.3 for the next 6 years. IM DELINQUENT on my payments, so my credit score is coming tumbling down and it wasnt shit to begin with hence the interest rate. Im struggling to keep up. I do live at home but the bills on the car and the insurance have trashed my finances. Ive had it for over a year. Ive wrecked it once, and I never got it fixed long story. I should have never walked into a dealership alone with my child. I made some bad financial choices. I dont know how to get back up and Im drowning. Bank account in the negative, all major bills due this month. I do not spend my money on anything other than bills and groceries. I would like to start nursing school. I want to get a better job and have a better life for my child. Please PM me, if you need any other information. I dont even know where to begin.  <response>: You need to save up like 1,200 cash and buy an ugly, beater junk car that has a history of running good like a 2000 Saturn for example.Stop paying the payments on the 21.3 car and drive it till they come get it. This should give you 30-90 days to save up the 1,200 cash to buy a beater.The only bills you should be paying in this order are as follows:1 Food2 Rent3 UtilitiesYou make enough money to do these 3 things...and should have money left to save up for my beater car plan.Now in 2 months from now when you have your food, utilities and rent caught up and a beater car you want to start saving cash to settle the bad debt.If you have lump sums they will settle for 20-40. So if you have a bill collector coming after you for 2,000 when you have 500 offer them that as settlement in full. Get it in writing before you send them money and also dont give them access to your checking account so send a money order or certified check.Keep the letter and receipts forever.You can slowly work your way out of this by only paying your basic life support and saving up money to buy things cash instead of borrowing money at ridiculous ratespay day lenders etc.In 2 months you should be having positive cash flow to start settling this debt. 