Hi all, I have recently had an accident that has resulted in some medical bills I am having difficulty paying off in addition to the loans that I had to take out. I am in serious debt and my life is in a downward spiral, what started with a credit card to help with expenses has turned into three maxed out credit cards totaling 13,000 in debt as well as around 10,000 in personal loans following the credit card limits drying up. This has led to the destruction of my credit score and issues paying rent. This has been the cycle and somehow I convinced myself that I would be able to dig myself out of this hole, but I need help. I have no capability to dig myself out and need any help that is available.