<prompt> Human: Hey RedditIm a 23 year old who is trying to recover from a nasty and terribly stupid situation. About a year ago, I felt bad for my ex who was struggling to get their life together. I lent quite a bit of money in hopes of helping alleviate their stress. They were also locked in a bitter custody battle and used their innocent child to tug on my heart strings and wallet. After one year, they racked up 5,000 in credit card debt and took 1,000 from my parents as well as the car I purchased for their use. I am not one to take hand outs, or help, but I have officially hit rock bottom. I sold off whatever I could, moved back in with my parents, and took the only job I could find to make ends meet. I do not make enough to cover the payments on each charge card and now I am starting to miss payments on my car and car insurance. The bank has already threatened to repo it by the end of next month. I have no idea what to do. I cant file bankruptcy even because I cant afford the fees. Im working 60 hours a week but its just not enough. Im literally drowning in all this and since Ive gotten myself here, I thought Id turn to my fellow Redditors for advice. What do I do now?  <response>: Post your income and budget details. Youre working 60 hours a week and not paying rent, so there is something majorly wrong with where your money is going. You need to figure what that is and plug the hole. 