I got talked into bankruptcy (by a bankruptcy lawyer, surprise surprise). It cleared $12k of credit cards and bank fees but not the then-$50k of student loans and the spending habits that were the real problem. Now I learned my lesson. No credit cards. Save up and pay. Have an emergency fund that can cover your expenses for months and months in the event you lose your job, or your most expensive unplanned repair. That’s the real life saver.
I’d love to comply, but unfortunately the last time I tried Windows 11, my Ethernet and WiFi quit working and I had to roll back ¯\_(ツ)_/¯ how do you screw up something as basic and necessary as the internet connection?