so how much many do you exactly owe?

if it is more than 10k there are non-profit orgnaizations out there that will help you. My bro, jackass, racked up over 40k, most of it in less than 6months after getting out of the navy. He finally called one of the consolidation places and got everything reduced to one payment. If it is less than 10k, stop being a bum and find a job or join the military. Sell your dell credit to and dont spend the money on bills, save it! Start eating rice and beans, you would be surprised how much money you can save when you stop wasting it.

and as chachi said, you are going contemplate killing yourself over a piece of paper? The first thing you need to do is realize and accept how moronic that is. As shitty as your life is right now, because you choose to live this way, there are a million other people that would kill to have your opportunities.