Ruined my life

The possibility of you killing yourself or just packing your shit up and moving very far away with a new name and shit is probably on their mind as well. Put yourself in the shoes of the debt collectors: they have two possibilities here.
1 - Scare you into paying your debt
2 - spend some money to sue your broke ass for those 20$ you've got.

They have no way of forcing you to pay the debt besides suing you or scaring you into it. They cant force you into anything. So far, option one has succeeded, you're scared. However, don't panic and think all is lost. That doesn't work for you or them. Realize how much power you have in this situation. They're asking YOU for money. Talk to those soulless life sucking money grubber shitheads and let them know they'll get their fucking money, but on your terms. Decide on a payment plan. Make it one you can easily follow through on. STICK TO THE PLAN. Don't let them spook you into making bigger payments or paying early. Call those bastards and let them know you're 22, you're a waiter, and if they aren't willing to negotiate with you then you may be likely to do something crazy or dangerous which might leave those debts uncollected for a VERY long time. You have the power here my man.

>>18334409
Also congrats on going on a six year long bender that is seriously impressive

>>18334395

Pack up and hit the road. Best of luck anon.

>>18334409
Not op, but I like your go-getter attitude. You're gonna go far in life bud

>>18334695
Not OP either and I feel like I've learned something today.

I mean suicide man best choice yea or seek help whichever one yea.

>>18334395
go work at wal mart for five years. get laid off. get unemployment. then get disability due to medication induced bipolar disorder but doctor believes i always had it. sure. whatever. be neet for next five years.

multiple jobs or ridiculous amount of hours of work no matter how low the wage can really add up.

Stop being a cuck and do something about it. There's this idea in the west called "pick up your damn suffering and bear it". You can make a better life for yourself but it will start with accepting some responsibility. You can do it, just for fucks sake stop telling yourself a cuck story about why you're a victim. Of course you're a victim, but so is everybody. Be a man and reduce your suffering

>>18334395
Join the Navy. Not for life, but... just for some structure, a change of pace, see the world a bit.

I was in the same place at 22. Was trying to kill myself living in the basement of my brother's place. Figured, what the fuck, I could give it a shot and worst case, still had the option to off myself.

Military wasn't all fun, and honestly, there are more idiots in there than you meet in the regular world, but man... I got to operate in a submarine and towards the end, drove a destroyer in surface fleet, while seeing the Pacific and enjoying the best damn food in my life (at port, not in the messhall). Only did a 6 year stint, as I decided I wasn't a lifer, but did put things a bit more in perspective for me.