Trying to figure out my debt situation .. ?

Unsecured debt usually pertains to just Credit Cards and not car loans. Meaning, if you default on your Credit Cards, there is nothing tangible that they can take from you. Although, most credit card companies will write it off as bad debt and sell your bad debt to a collection agency. Theyt will try and get a judgment against you. But technically, with a CC there is nothing for them to come take. Now, your car loan is a secured debt meaning if you don't pay, they will repossess the vehicle. On a home, it works the same. You default, they take your house. Hope this helps.