bills and income

You need to act smartly here. You can start by stopping unnecessary spending and concentrate more on saving. You can contact creditors and inform them about your situation and ask for lower payments/interest.

that will only work if you have some income. You have 0 income? no social security, disability, child support, or anything? if you have nothing 0 dollars comming in, you are kinda in a bad spot, maybe consider chapter 7? probably would need some more info to better advise you.

First- stop buying stuff. If you have no income, you're just going to continue to rack up debt. Did you get laid off, or did you quit? If you got laid off, apply for unemployment. Eitehr way, you need to call all your creditors and explain to them that you are not currently working and see if they will work with you to either lower your payments or suspend them for a while until you find a job.