Legal Question in Credit and Debt Law in Illinois

Financial Nightmare

I have been divorced since 2006, and I was left with all of the financials my ex wife and I had together. I made some bad financial and personal decisions, and these are the biggest things I am facing. I moved to the Chicago area to take on a job that I lost in October. I have a checking account that is at least $1000 in the hole. I have a car loan that is 5 or 6 months behind, and they are looking for me. I feel really stupid about this one, but I was taken in an internet scam for $5000 dollars involving a fraudulant money order sent to me to cash for what I thought was helping a orphanage in Africa, and after doing research, found that 1000's of people had been stung by the same thing. So I have defaulted on the loan the bank setup for me to pay it back, and now they are looking for me too. No one knows my address in Chicago, but I want to take responsibility for my stupid mistakes. I also tried using payday loans to help get me through, and since my bank account is a mess, they are in default also. I can't claim bankruptcy, my ex-wife and I claimed in 2003 before she left me. I have yet to find a decent job to help get me back on track. I want to be responsible for this, but I don't know where to start. HELP!!!

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