So I have this friend I've known for about ten years, one of my closest friends ever. He's been unemployed for a couple of years now and he's 31. He lives with his sister, who's a single mom, and essentially survives off hers and his dad's good graces. The other day we were hanging out, and he tells me that he has been ignoring his credit card bill for over a year, and with interest and penalties he owes five grand. He got the card back when he was a college student, and had basically been using it all this time to buy basic essentials when times have been financially tough. Now to some people this may seem like a no brainer, but this friend of mine is, shall we say, unique. He is very intelligent and talented, but has a certain set of problems that seem insurmountable. He's been clinically depressed for most of his life, and is constitutionally incapable of holding down a regular job - he can't keep a tight schedule or sustain healthy sleeping patterns. His condition has really beaten him down for so long that he feels he needs to feign apathy about everything, but I could tell this credit card thing really has gotten to him. He's going to have to file for bankruptcy, and his father's patience is really wearing thin. Does anybody know of a good way to earn money on one's own schedule? Any insight into how my friend might be helped?