I just had another schizophrenic episode, but this time was really bad. I went on a shopping spree the Spirits inside told me to go on + now I owe $35,000 in credit cards that I can't pay off. What can I do? Can I wait a couple months + file for bankruptcy? I am unemployed + on disability for the past three and a half years. I usually go on mild shopping sprees, but nothing like this one. It was entirely due to the mental illness + I have a lot of kids' things I don't need, but can't do anything about now. Please help me. I was told on the phone I would have a difficult time due to the short time frame of racking up the debt, but I wasn't in my right mind. I was mentally ill + had just been released from the psychiatric hospital. I can get my medical records to prove it.