I am a married woman who always paid the bills on time and paid extra on credit cards, loans, etc. At one time, my husband and I were bringing home a decent income and made the mistake of accepting credit card offers to improve our credit. As I stated, initially we were able to pay all the bills, life was good. In 2016, our luck changed. Our nephew died in a car accident and it put my husband in a major depression. Additionally, he was out of work for a long period of time due to injury and he does not have employment benefits. To try to make ends meet, we accepted credit card offers to pay essentials such as groceries and gas which put us deeper in debt. His health has declined and his jobs have not been providing stable income due to frequent truck breakdowns, etc. He has tried to find other jobs which made promises they didn’t keep. I was lucky enough to be offered overtime at my job for a short period of time, but it wasn’t enough to get us out of our hole. We had to bury our pride and we were lucky enough to have a family member let us borrow some money which we’ve been paying back. I can’t afford to pay for a bankruptcy. I didn’t even qualify to go through a debt repayment plan. We have cut expenses where we can. I never thought I could live without cable tv but it’s kind of been a blessing in disguise. We rely on our cell phones for internet. Needless to say, the stress of our debt has put much stress on our marriage and now my health. I am in a deep depression myself, I experience frequent twitches in my face and eyes. I am also experiencing heart palpitations and tightness in my chest. I know it’s stupid, but I’m afraid to go to the doctor out of fear that I’ll get additional bad news that I just can’t handle right now. I take care of my elderly father who has the onset of dementia. Also found out we have a water leak outside and it may be costly. I have been paying bills late as it is to make ends meet and I don’t have the money to pay for a plumber yet. My stomach is in knots. I’m finding it difficult to cope. I know we are not alone in our struggles. There are people worse off. My wish is to be as debt free as possible so that we could survive on our incomes. This has been a hard lesson learned as I never thought it would happen to us. Like I said before, it’s been a blessing in disguise as well because I no longer care about materialistic things. I just want peace of mind, love and health. Now that I know sites like this exist, I hope I can pay it forward myself someday. I know you don’t know much about me. I try to be kind always and I am always grateful for what I have. I will eternally be grateful to anyone that can help us. Thank you so much for even taking the time to read this post. May you always be blessed!