<prompt> Human: OK so I Quit my Job in May. not the most brilliant ideaStarted new, shittier job in August. boss mans favorite word is irregardlessly It took me a couple months until now actually to pay off borrowed money, save to move, and as well as take care of some court costsexpired tag tickets. Before the 2 months of no work and bills being unpaid, I had always paid my stuff on time and my credit was decent..In July they closed my cell out, bank closed my accounts.I currently have about 230 cellphone Verizon unpaid.My WF checking account was closed with -300 in itwith same bank I have a CC with about 1100 on it, closed as well. along with an auto loan I havnt paid on since June... that was at 3,700 or less now it says I owe over 4200.. I have another two cards with CapitalOne whom I have been in contact with since May and have been paying on a program with no interest about 5000 on one card and 1000 on the other...Honestly I feel like I cant save anything. I bring it about 480 a week, after taxes, and I barely buy anything. at most I buy lunch and it will usually be 20-30 a week.. which isnt bad for the convenience, but I have started making my lunches. So heres the fuckup:I have not been in contact with the bank, had no phone and no car for JulyAug and then Moved in Sept so that was hectic, although I did try in Aug and waited around 45minutes in the bank lobby before leaving as I had errands to do. I finally am situated and I can go in now and talk to them but I fear since its been so long they will try to take advantage of the situation instead of helping me. My plan at the moment is:Reopen checking account with Paycheck Nov 6th need to pay rent and car ins which is these next two weekly paychecks.Pay minimum to Capital One, and pay off cell 230 with Nov 13th PayFrom there I just have the auto loan and one CC with WellsFargo and the two CC with CapitalOne.. My main question is how to talk to the bankprogram to request to have them reopen my credit card account and remove the negative entries on my credit score past due 90 days, closed, etc ?And for my car, get them to come back down on the interest or go back to the true amount owed around 3700, not 4400 ..the title is NOT in their name, however they can still get a judgement and take the car if I dont take care of this.. Any advice on how to proceed, besides telling me to save and get a second jobalready do web development on side, will be very helpful.Assistant: ...although I did try in Aug and waited around 45minutes in the bank lobby before leaving as I had errands to do.Dude, maybe actually put some effort into contacting your bank. Not getting in touch with your bank for months is lazy. And youll be lucky if they open your accounts. Whats more important of an errand than making sure you have an actual bank account for your moneypaychecks to go into? Human: well Ive been cashing my checks at the bank they are made out from.. but yeah I had to pick someone up as I was using their car.. like I said, I know Ive fucked up by not contacting them for so long.  <response>: Then make it a priority. Go talk to the bank. At this point you dont really have any leverage. Explain your situation. Talk to them to make a plan of action. Be proactive. Thats really the best thing you can do. At this point you dont really have any leverage to find out how you can talk to the bank. Youre pretty much at their mercy.Chuck it up to a lesson learned, and be more proactive :D 