First I want to say thank you for reading what I have to write and for considering to help me. One year ago my step father died and I left work to go help my mom. Before getting on the flight I found out my husband of five years was having an affair with my best friend and co-worker. I felt like I couldn’t breathe, I was so caught by surprise, and I was just glad i was leaving because I didn’t want to spend another second in the house with him. I came back to a completely trashed empty house and as hard as I tried I couldnt snap out of depression. I wanted to be with my mom, I missed my dad, and had been alone for the first time in over ten years. Fortunately I had my dog. My attendance suffered, and that part is my fault, I cried so much and I stopped functioning as an adult. I was laid off, and then received a letter that my rent was being increased $225. I had a side hustle pet sitting and got my former job working with adults with disabilities back. I still work there now but to pay rent I took out a car title loan in desperation, it has 129% interest rate and the payments monthly have become unmanageable and are not realistic as it is a $2800 loan that is going to cost $13,000. There is no penalty to pay it off early but that is obviously beyond my means. Every month I paid it one day late and now I am behind 3 months, and it is $3,455. I don’t know who to turn to. My car is also needing to get work done on it. I need my car for work. I drive clients to doctors appointments, college, to get groceries, and more. I cannot risk having my car get repoed and having a client stranded, or having my car break down. I know that if this issue was remedied I would be able to get back on my feet now that i am back to my happy hardworking self. I just want to move forward but i feel like I can’t get out from under this. I hope someone can help me. Thank you for reading.