I have never done this before and am embarrassed to do so. I have always been someone who only used her credit card if she knew she could pay it off in full that month. I have also always had an amazing credit score.
I moved out of my parents house not long after graduating college in 2013. The company I was working for had an apartment that I was living in. I had to have roommates over the summer and kept having bad experiences with it.
So instead of finding another apartment to rent I decided to save up and buy my first home. I bought it two years after moving out of my parents house.
When I got my home there was a lot of work to be done. The floors had to be replaced and the whole place had to be painted. New doors had to be installed and appliances bought.
My parents told me I would be able to pay off my credit cards within a few years> But a little over a year and half after buying my home I lost my job. During the time I was without a job I had condo fees and and homeowners insurance due along with the rest of my monthly bills.
I finally found a job I liked but had to settle for less money than I was making before which made it even harder to pay off my credit card bills.
With the interest building up and and what looks like no end in sight that is why I ended up here. I know I am suppose to give an amount that is needed but anything anyone could give would be amazing and totally appreciated. No amount is too small.