<prompt> Human: Im 28 years old and had worked my entire life to accumulate over 66,000 only to give it all away over the last 10 months trying to help a friend. I have given every penny to my name, sold all my material possessions and cash advanced all my credit cards to their max in an attempt to fix my friends problem which still hasnt gone away yet. My credit score was in the 800s but is now around 500. I have lost everything and am now drowning in around 15,000 of credit card debt. Most of the debt is cash advance debt which makes the interest every month insane. It would probably take me at least a few years to pay it all off. Do I live with it or is filing for bankruptcy a good option?Edit:I make less than 20,000 a year before taxes.I estimate my expenses to around 12,000 a year not including the interest on my credit cards.Assistant: what the fuck was the mistake?! did he owe a cartel his fucking life or what?Human: Long story short, the friend won a settlement but needed to pay the IRS and Department of Revenue Recovery before his lawyer could write a check from the first disbursement. I was helping him with IRS and DRR payments that needed be made with a promise of reimbursement when the check came. I did what I did because I knew what getting the money would mean in the lives of his kids with special needs. I actually tutor his kids...Assistant: Yeah, thats not how it works. Sorry for your loss. Next time, check facts and use contracts. You andor him got scammed.Human: I actually have a contract with him to pay back the amount owed.  <response>: you got scammed.. Injury settlements arent taxed and you get the money first before the IRS asks for their share. Go find your own lawyer to talk to not reddit 