In my drinking years my finances were the last of my concerns. All I cared about was having a little money for a place to stay, some food and the rest for drinking. Living on credit cards and pawn shop loans to sustain my lifestyle was common with little thought of paying them back. Back then I had a message machine for my home telephone line and the messages would be filled with collection calls, which I ignored. Bankruptcy took care of a lot of credit but not all. I regret my past actions regarding my finances and irresponsibility but that was the way I survived. Why am I telling all of this? You see, in sobriety one of the gifts I received was the ability to realize debts are to be repaid. These days I pay my bills on time. What a relief. It took a while but in doing so I have been able to be approved to buy a home, car and have credit again. My credit score has improved from being very poor to good in the 700+ range. This all came from a new way of thinking. These days I am looking into retirement options so that I can live at least modestly for my remaining years. I say all of this because I believe by living in sobriety anyone with financial difficulties can turn their situation around for the better. It takes time: just hang in there and good things will come to you. May God bless you.