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dcdave3605 t1_iy9gw1q wrote

Return whatever you bought!

Seriously though, how have you lived so far out of your means for so long to have wracked that up?

List your monthly ongoing costs, total debt broken down per interest and card/loan.

Then start cutting anything you can. Then find a roommate and split bills as much as you can or move in with someone. Pay all your money towards the highest interest loan/card first and then once paid off, go to the next. Live very cheaply and get some other secondary income as much as possible. If you can, try borrowing from a family member and pay them back just as aggressively.
Bankruptcy is a consideration but without knowing your assets it's kind of hard to tell.

Where is your gross income going to besides FICA and fed and state taxes?

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