Hello, I am Mike and reaching out for help/support. I know and acknowledge that there is no " Magic Pill". I am 46 years old, live alone, take 8-10 pills a day for many medical issues including for Major Depression. I have never been married nor do I think it will ever happen . I have racked up 80k in debt and have really nothing to show for it. I have been outta work for 6 weeks (returning on Monday) and feel a lot of anxiety mainly because I feel alone and also that while being outta work I called all my credit card companies and closed all the cards (many with very high balances). Now, because I cannot due the balance xfer game anymore I will not be able to make most of the minimum payments thus they by my own fault will jack up interest rates to mega, start calling me and likely call me job. I don't really have anything to show where all the money went. On one hand I did the right thing to close out all the cards but now I don't know if I will be able to handle the reality of the aggressive collection attempts. I can't even declare bankruptcy since I used a few cards in past 30 days. I don't know what I was thinking. I am trying to take responsibility but I don't see anything good. I called consumer debt management companies but my actual income is not enough to even cover the special programs