Don't let debt depress you unless you are driving around in a luxury car and have a 60 inch TV at home. Loans are a risk the lender gladly takes in return for nice profit - sometimes they lose, it's part of their game and they get to write it off.
Assuming you are in the USA we don't have debtors prisons (for now) and creditors aren't allowed to harass you. Change your phone number and don't give out the new one to anyone. It won't stop the letters from hell, which will arrive every week for decades to come (seriously) but you can stop opening those.
Don't bother to declare bankruptcy either unless you have assets they could take away from you.
They only debt you cannot escape is student loans because by congressional law they are for life, can't be removed by bankruptcy, and can be taken from tax returns and future benefits like SS.
Become a cash customer, it's a better way of living efficiently anyway.
Assuming you are in the USA we don't have debtors prisons (for now) and creditors aren't allowed to harass you. Change your phone number and don't give out the new one to anyone. It won't stop the letters from hell, which will arrive every week for decades to come (seriously) but you can stop opening those.
Don't bother to declare bankruptcy either unless you have assets they could take away from you.
They only debt you cannot escape is student loans because by congressional law they are for life, can't be removed by bankruptcy, and can be taken from tax returns and future benefits like SS.
Become a cash customer, it's a better way of living efficiently anyway.