I am 30 years old and have about 30k in debt. 10k is medical and the other 20k is old debt before I was fiscally responsible. All of the credit card debt apart from the 10k medical is about 6-8 years old. I have 15k in my bank account right now. I’m wondering, what would be the best way to take care of this without wiping my bank account clean and then still owing more. Is that an option? What is the best way forward here?