Thanks for reading my story! I was raised to pay my own way, so doing this just dont sit well with me. I need a hand up not a hand out. My situation started from covid deaths and went downhill ever since slowly leading me to being too far in debt and cant fight my way out. Lost my wifes dad first and he was the cornerstone for our family I gladly helped with funeral expenses which was a set back but did it without hesitation. Then came a trip two states away for my brothers funeral. Then couple months later another two state trip for my stepmom. Then me and my wife had two weeks out of work when she tested positive for covid. Then another two weeks for me a few months later. Neither of us got more than a sniffle thank God. Then my son lost his job and had to help him for couple months till he got back to work. Meanwhile having to rely on credit cards to get through till next payday . Then two weeks back our air conditioning system completely stopped working and had to take another loan to buy a used system and that was the last straw to break the bank and now cant crunch the numbers enough to make them work out. Without some miracle happening I will be in bankruptcy and stuck living in a flood zone that puts water in my yard every time wind blows S.E. For a few hours. Never told it was like that when we signed the contract!! I am a decent diesel mechanic for big trucks and trailers and decent at pencil drawing. So any work i can do for you in thise areas or almost any manual labor I can do in my spare time I will be glad to so for money to help pay some stuff off. Not behind yet on anything but cards are maxed out now and next month will be the fall. If you are a lender I can prove my payments are on time so far and will sign a contract with my house as collateral for a 100,000 30 yr loan and payoff is under 45000. I will agree in contract to only have one credit card that I use only for last resort emergencies. And pay off all other loans and never use them again. I will also start a savings account in the agreement and put 10% in it every paycheck. Credit cards maxed has dropped my credit score so nobody willing to give me the loan. Thanks and may God bless any and all who struggle but still fighting. God bless anybody reading these stories and thinking of helping others hope I can have the opportunities to do the same soon.