I’m drowning in unsecured debt and I’m now behind more than I have been before.
For most of 2023 my partner was without a job and all of our financial responsibilities fell onto my shoulders. To make ends meet, I took on any extra hours my job could offer which was scarce. I asked my family for help every month but that help was limited and lessened over time as they were struggling themselves. My other outsource was to utilize cash advances on my paychecks just to avoid falling behind on our rent and bills.
Unexpected expenses came up and in my desperate hour I turned to payday loans as that’s all I can get approved for with my current credit. While trying to balance loan payments, my current bills and rent, I’m now behind $4000. I’ve tried finding a consolation loan so I can have a single more manageable payment each month but I’ve run into dead ends everywhere I turn. I don’t qualify for any government assistance as I don’t have any children and make “too much” for my single filling household.
I’m embarrassed to turn to this solution but I don’t know what else I can do. I just need some help to catch up and I can stay on track ahead from here. Anything helps really. Please I’m so overwhelmed by this, it leaves me unable to breathe.