I need advice
I'm 28M and I lost my job on the 1st after 5 years of hemorrhaging money due to not having a stable job. My parents finally had enough space for me to move back in with them so I won't be homeless, but I have been taking cash out using my credit cards (don't know if all cc can do this but my quicksilver can) to pay bills like rent and such for so long, When I maxed them out I would sign up for a personal loan to reset the balance to zero just to wind up needing to do it all over again now I have almost 20k in debt and now I have no job. I can't afford (and now with no income even qualify for) bankruptcy, and even if I could because my father cosigned for my car it would wreck his credit along with mine or worse they could come after him for the debt (I was told this by a friend who works for a bankruptcy attorney) since I lost my job I no longer qualify for any of those scammy debt consolidation places. I've been applying for jobs and calling and even going into places but I can't get any leads I've even applied to places and then gone in to talk to a manager only to get looked at like I'm crazy because "we aren't hiring right now, not really sure why there is a job posted." I'm just lost and don't really know what to do at this point.