<prompt> Human: Hey guys how you doin? After coming down with a chronic health condition at 19 years, I basically laid down and gave up on life and didnt take care of anything. Every single account I have ever had with anything I basically let lapse. Everything from library books to cell phone bills to bank overdraft charges, hospital bills, etc. I basically threw out the window. I dont owe enough to any one person to get sued or anything like that - its more like, 50 dollars here, 100 there, 300 there, etc etc.I basically owe a large amount of entities small sums of money. I owe Chase bank, BoFA, Wells Fargo, USBank, a few credit unions, etc. and so on. The odds of being able to open a bank account are fairly low.I can set up direct deposit at my work to put money into a savings account that I can withdraw cash from and thats what Im going to do, but that still doesnt solve the problem of 1. How Im going to cash my first check I dont want to use check cashing and 2. How can I pay for things that require a credit card?Is there some kind of ghetto bank account that people can open? Are there prepaid cards that dont charge you to load them up? Im trying to figure out how to basically start out financially from less than zero and my immediate goal is trying to keep all the money I am earning.Also every time I have ever applied for credit I just get flat out denied, so thats a pretty doubtful proposition.  <response>: You can cash your first check at a Walmart OR the bank your company uses to cut the checks. Walmart offers a greendot card which you can direct deposit your paychecks into and it works as a debit card. 