SMARTFINANCESOLUTIONS.NET - Stressed to the max...?

Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Stressed to the max...? - hi, im 21 and im seriously considering filing bankruptcy... i have about $8,000 credit and $24,000 in a car that is currently up for repossession. i found myself going through some really hard times and i had to sacrifice credit card bills for rent/books/etc. i am not looking for any rude or critical responses, as i do understand i brought this upon myself. i just need help from someone who knows what they are talking about. where do i start? any info would help. -