u/Iza-159

I just got an email that I need to pick a plan soon and I cannot afford any of the plans. I make about $140,000 a year but with the cost of living where I am at, inflation, helping family members, gas, and 30,000 in credit card debt I am living paycheck to paycheck. I’m panicking and I don’t know what to do I cannot afford the payments or if they garnish my wages. I’m legitimately on the brink of SH.