Hi,
First of all, thank you so much to whoever is even reading this. It’s way beyond me to even write a message like this but someone mentioned this site to me and it’s pretty much my last resort.
I’m in over my head with debt and need help paying it off or even some. It’s even so hard to mention or see it written, but I’m in debt. $95,000 which includes taxes, auto loan, credit cards and some college loan. I was cleaning commercial buildings for a subcontractor for a few years and then my husband and I decided to start our own cleaning business in 2017 it wasn’t big but it was doing pretty well we’ve had 6 employees. Our cleaning business took a whole different turn downwards in 2020 and we make less than half of the income now with no employers just ourselves and only 1 day off a week no vacations or even a weekend away for many years because we cannot afford hiring anyone or any trips to say the least. We barely make ends meet and cannot keep up with bills and taxes owed. My parents thankfully are still alive and in need for care since they are in their 80’s, their health is declining, especially my mother who suffered a stroke, If our debt is paid then from our income we can help them with their medical expenses . Also, being able to help my sisters , one who is a single mother of 4 and for a sister who is deaf .
We took on a few credit lines and since we were late on our payments our credit score decreased and cannot get any other loan. I honestly want to add debt to fix my debt and pray to have a fresh start. I’m doing research online to better understand how to further our business and getting our debt paid will help my husband and I have a fresh start to also have children which we’ve wanted for many years now. I know this is a very big ask, but like I said in the beginning even some would help.
Again thank you for taking time in reading this.