<prompt> Human: Seriously considering just declaring bankruptcy and starting all over. Im gainfully employed and make a good amount of money. But I just cant seem to get ahead. Every single time I get a little saved up, something happens and all of that savings is gone. This generally happens within a week or two of putting some away.Im considering defaulting on my car loan or declaring bankruptcy but I really dont want to do that.How does one get ahead when it seems luck simply isnt on your side as it relates to finances? What are the REAL ramifications of defaulting on a car loan or declaring bankruptcy? Edit: It was suggested I add some details. Sorry :Make about 62kyearHave home loan 900moCar loan 400-500moRandom BillsUtilities 400moRent on Apt 1050moSomeone is renting my house. So my mortgage payment is dependent upon them paying rent and paying ON TIME.  <response>: Well, youve given zero details so you wont get much meaningful advice on the bankruptcy. Defaulting is typically bad, you can be subject to lawsuits and garnishments, and can destroy your credit. 