Accumulated over 20k in debt the past year. I wake up everyday with a cloud over my head. Feel like giving up. I have about 6-7 collections payments that I need to pay about $2000 in total (credit cards, payday loans) I still owe the IRS about $2800 I owe people from borrowing around $2000 I owe my lender who helped me buy a car off credit $9000 (not a traditional monthly payment finance agreement, I have to come up with 9000 in the next 2/3 months and p…