I am 28 year old female who is looking for help to get me back on to the road of financial stability. I’ve always been the smart, independent, girl who could persevere through anything and come out on top. But my debt I have created is crippling me in many ways and I need help at this point.
It all started about 7 years ago when my father was diagnosed with an extremely rare muscle wasting disease, inclusion body myositis. I was in school and just happened to be during finals week – and I failed all my finals due to my mental/ emotional state at that time. That caused me to loose any financial aid I was going to receive, so I applied for a credit card to pay it off. I paid all the money owed, but was left with a credit card with a huge limit… I started with my head on my shoulders, buy then pay off immediately. But as I become more depressed, anxious, and overwhelmed with the status of my fathers condition I coped and found myself spy-rolling out of control and spending beyond my means.
I have done my best to consolidate what I could, so I do have two loans I am able to pay off over the next 5 years. But with that being said, I still have a mass amount of debt on 3 credit cards and I’m failing to be able to even make minimum payments. I’m accruing interest and late fees that only make things worse for me. I’m drowning. I’ve sold 2 cars and any of my possessions could. I have no assets left to be taken. I’ve done all I can to eliminate extra bills and cut expenses.
I’ve obviously made huge mistake the way I’ve coped with my dads disease, but I have already closed my accounts and now I just need help to pay them off. If getting a 2nd job was an option, I would have done it already. But any time not at work, I’m assisting my father with every day tasks we all take for granted being able to do for ourselves.
I’ve already had an account sent to collections, and more will be if I don’t find a source of money. I can’t even scape up the money to file for bankruptcy – I’ve looked into it.
Help if you can. Anything’s appreciated.