<prompt> Human: Hey rPersonalFinanceSo I have been extremely reckless in the past year and managed to max out all my credit cards. I went through a period of depression where I didnt really talk to anyone and kept to myself exept for work and totally ignored all my finances.Right now Im about 25k in Credit card debt. Im getting over a substance abuse problem currently which has caused other negative impacts on my life.Ive been lying to my parents and telling them Im not in any debt and getting about 15 calls a day from collectors.Trying to make all the min payments is making it so I dont have any money for food and other stuff. Im afraid Ive dug myself into such a big hole the rest of my life is going to be ruined. Im a 23 yo male in NYS. I make 32k a year but with all this other shit I might lose my job. Right now I just feel hopeless.I want to be able to pay everything off but I have no savings to do that.I filled out forms for bankruptcy lawyers today but Im not sure if they will just push me to do it because they get or if itd really be helpful.Quick Edit More backgroundIm BiPolar II and have suffered some pretty bad depression phases my whole life. After my GF and I spilt last year I kind of just lost all control and cares and as it got worse I kept digging myself deeper thinking it was already so bad what is a little bit more.Assistant: Do you live at home with your parents still? If so then you can dig out of this. If not, you still can but itll be harder. Lets go over some basics: What are your monthly costs? Car, Insurance, Gas, Food, Etc. What is your take home pay? Do you get money for a tax refund? If so adjust your W4 so you don t get any money. You dont need to declare bankruptcy just yet. You havent even come up with a plan to pay anything back. Youre rushing into it. Edit: what is all the other shit thats going to cause you to lose your job?Human: No I do not.Right now my costs areRent: 550Car: Paid off for a few yearsFood: Right now Ive just been eating off the dollar menu every day skipping meals so around 150. I was spending about 400-500Insurane: 65 Dollars a monthStudent Loans: 180 MonthBad Stuff: Was around 200wk but as Ive tapered down now its around 100month which should hopefully be 0 by march 15th.Medical: I have needed shots that were 1700 each once a month but those are almost doneIm filling out my tax stuff now and it looks like Ill be getting around a 2300 refund. Should I do something to not get this?Take Home Pay 1990 month  <response>: Eating off the dollar menu isnt saving you any money and if anything that shitty food is making you more depressed about all this. Eat healthy. You can do it for cheap. Take a trip to the grocery store and get chicken cutlets, greens, anything other than that shit from McDonalds. Youd be surprised but a feeling of at least some amount of health will help you here. 