There is a lot of that going on around here. It's getting so that you have to search for the trading threads.
You may want to try setting up a corporation with a partner and having that corporation pay you a salary. You will need to talk to an attorney to do this properly and before you get sued. If you get sued, it is too late. However, this is only an idea, and this is not legal advice, and I'm not an attorney.
When you are in any debt you are a slave. You can settle with your creditors. Contact them and let them know your parents are willing to help but they canât pay it all. You can probably settle for 50% on your car deficiency and 60 â 75% of your CC bills. Get a real job and save, save save, at least 10% off of the top. Start fresh and donât go in debt. When you have built up some savings, get a secured credit card off of your savings, say $500 and make sure you pay it off each month. I suggest you watch http://www.youtube.com/watch?v=b-dib6hSlcU Its 6 parts but start here. Donât fall into the credit trap. That is how they get rich off of you.
Also, invest some of that money in an internet business that will generate income, and with no hard physical assets. That way, if they take everything you got, you still will have a way to generate income.
Pay off 1+2 out of your broker account. They aren't that much. Negotiate with Toyota to get the balance down, and to pay it off over time, say $100-200 per month. Pay this out of your broker account too if necessary. Take responsibility for your actions. Blaming the creditors might fly in the liberal media, but won't in the real world. As a trader you will need good credit. You should be considering futures trading, but you won't be able to open an account with your credit the way it is. Arrange to never miss another payment in your life. That means exercising some financial restraint, even in times when you are doing well.
Honestly, if you failed personal finance, how you think you will get a chance to succeed in trading? Go get a regular job and pay off your debt first.