Looking at his ‘stupid tax’ bill

Dear Dave,

I’m 20 years old, and I’m in a bad spot. I’ve been a jerk for the last year, not listening to my parents about anything. Now, I’ve got over $10,000 in debt from running up bills on credit cards and writing some bad checks. Two weeks ago, I also lost my job and totaled my car. I’m about to lose my apartment, too, because I don’t have the money for rent. A friend of mine said I could stay with him for a while, but I’m really scared. My parents say I created this situation all by myself...