<prompt> Human: Last year I had an amazing job in insurance, more money than I knew what to do with and a credit score of 840. Now I have two shitty jobs, debt and literally the lowest score you can get. Heres my income Job 1 8.25hr usually 35-40 hours a week Job 2 8hr plus cash tips-tip shared with cooks 10-15 additional per night the company keeps out CC tips is this legal? usually about 30 hours a week. Job 3 I occasionally work for a company that has me travel to sell shirts 50 minimum and 8hr if more than 50 worth of time. They pay travel and hotel expenses if needed. Bills. Phone: 254.67 45mo is for the payment plan I set up when I was flat broke and had no money thats done in 3 mos. 140 is the service on 3 lines and the rest is the 4 devices and things like screen protectors.Rent: zip. Zilch. Nada. Car payment 353mo. Currently repossessed because I didnt have any income and they yanked it. 1600 to get it back currently have 800 cash to give them Credit cardsAll maxed to the tune of about 5,000 with high interest rates. Assistant: While I dont feel we should pry, Im not getting a sense how you got this debt and how you cant recover income. A few clarifying questions:- 4 devices, three lines...for just you?? What is going on here...are there three other device owners who should be paying you??- What type of car are we talking here, with what remaining loan amount and interest rate? The credit damage is already done and Im wondering if its just better to get a beater- Income wise...it sounds like you had a falling out at work. What transferable skills do you have? What type of income did you have prior? Do you have any references? I wouldnt want to take a long term slide to minimum wage jobs here.Human: 4 devices 3 lines. 1 ex girlfriend is on phone plan and she pays her part and more due to it dropping the cost of all 3 lines by 20mo. 2 my line and phone 3 current girlfriend is on my plan as well again due to making it more cost effective for all of us she pays her line and phone 09 Infiniti G37 - this is my baby I got it with 66666 miles on it and now have nearly 100k interest rate 10 8k remaining the first LOAN I ever had I made huge payments before instead of small planned payments that I didnt know I could set up and wouldve helped me a lot moreI have great verbal communication skills, sales skills I have no real references because the whole agency I worked for got shut down after I informed the parent company of the owners illegal practices after he fired me for asking him about them. I really want to avoid the slide and know how dangerous a position Im in and desperately need help. Also on the car I can get it back if I can scrounge up 1600 Ill be caught up again. Assistant: You mostly have an income problem here. The phone plan at initial glance looked a bit scary, but it sound like you are paying only 13 of that; if so keep it unless the ex stops paying.On the car...youve got a decision to make. Door 1, let them proceed with the repossession and get a 1500 car. Door 2 pay the piper to get back current.On the job front, can you look for a job with the parent company? Are you looking aggressively? My concern is I dont want you getting stuck at 10 an hour long term.Human: Phone plan looks scary but isnt that bad. When I break it down. The car. I really want to take door 2 and can squeeze it out...somehow. I feel like once caught up I wont be freaking out so bad but only have 16 days to get it. On the job front yes I am the issue is I feel bad having a job that pays slightly more only to leave right after training if I land a job at an agency where I can hold my own Im not scared about being aggressive in sales but couldnt be in an unethical agency like that anymore and I can get off with parent company but only under another agent. And If I got paid 10 Id even be happier and have a better plan what to do but 8.00 and 8.25hr sucks.  <response>: Punctuation dude... The last paragraph is unreadable.Are you saying you can get a job with the parents company of your former employer? The situation youre in should mean you have a good reference from the parent company... Not no references. 