I never thought I would be in this situation asking for help. I am 47 years old, a soon to be divorced father of two, have an awesome job as an emergency response employee (benefits/pension), a volunteer firefighter since I was 16 years old and have always been the one there helping others, donating, spending time away from my family helping others because I loved helping the public. Due to my soon to be ex-wife and I having such a distant marriage for almost a decade, I have made bad financial choices and racked up just under $134,000 in debt (credit cards, loans) and now I find myself losing each paycheck to owed bills leaving me actually negative $184.30 in my account. I have zero ways of getting another loan as I have 3 personal loans, maxed out 4 credit cards, and already took a loan against my pension. I am behind on my gas/electric bill one month, behind and 3 of my loans, and 2 of my credit card bills. It was horrible financial decisions that I have learned from now but paying the ultimate price of actually becoming homeless. Im so emarrassed that I do not have any family to ask for help or friends that could even help. Im on such agony that my mental health is not good as I go to the doctor bow becuase of this stress and thankfully my employment provides excellent benefits. I am looking for help as I am willing to pay back what is provided over time once I get all my debt paid off now. I can afford monthly payments after this debt is gone. Im a good man, thoughtful, and pays it forward. I have not been able to enjoy any day I wake up. Not even the simple dinners I cook for my kids who are teenagers or seeing my beautiful daughter all dolled up for her dances. I just want to get back to where I was so that I can actually not have to worry about putting gas in the car, paying for the car insurance, and not putting off not getting new glasses because my insurance doesn’t cover it. I do not go out, party or buy extravagent things. I still drive a 2015 Nissan that has been paid off for 6 years and I cannot afford to even get new brakes yet. I really need help to get back to my original life where I was happy, not thinking about would it be best if I wasn’t here anymore. I am hoping you can help with $186,000 to pay my debt off and allowing me to move into a townhouse or condo. Yes, I don’t need a huge house to be happy. I enjoy the simple things in life and know I can be happy with backyard firepits, movie nights, or even a visit to the lake. I love in a suburban area that is one of the most desired in my state where people move from the congested cities to be. I live in a modest home that is well desired around here. I just want my simple life back as my marriage is over and I do not like being the person I am today. Finances surely to put a toll on someones life that can have drastic consquences for themselves. I know now how to pinch a penby as I barely have any. Please help me get back to where I was to not help make me the man I was but to help others like used to without the financial burden. I have learned to not love above my means again. I truly do hope you can help me.