I bought a house a couple of years ago and have since lost the house. It all started going down hill when I tried helping out my family members. I first moved my sister and her two children In with me, instead of getting a job I gave her the option to go to school to get a better education and find better employment so her and her children could live a decent life growing up. Well she went to school for about six to seven months. I had already started to struggle with paying my monthly bills and mortgage while making sure her and her children had everything they needed, unfortunately now I know how expensive it is to raise children. With her living in my house for free I was under the impression I would claim them as dependents when I filed for taxes, that way it would help me pay for the burden they put on me. I got home from work one day and they were all gone and my house was trashed, it turns out she got back together with her boyfriend that she originally moved into my house to escape from. With that being said I no longer was able to claim them as dependents so all the help and financial struggle I put myself in to help them was a waste of time and unnecessary. About a month after that my mother asked me to move my little brother into my house because he was kicked out of everywhere and had no place to live. Trying to once again be a helpful family member I once again moved someone into my house, this time the stipulation was that he get a job, but he would have a month to do so. Well he live there for four or five months and never got a job, I was under the impression that he was going out every day while I was at work putting in applications, he did however mow lawns for money, but I didn’t have the heart to take the little money he earned from that. After the fourth or fifth month I finally kicked him out of my house, my financial situation never recovered from letting my sister and her children move in and then I took on another unnecessary burden out of kindness, which furthered my crisis. I had taken out loans that had ridiculous interest rates just to by groceries and keep the lights and water on, and to try and pay the bare minimum on my other bills. Unfortunately the bare minimum doesn’t exist for most bills including my mortgage. So now I’ve since lost my house and sold off any of my valuable belongings just to survive. I was homeless for a little bit but have since moved a couple of times, my grandparents have been nice enough to extend their home to me, so now I have a permanent place to live. I do work but the hours are crap, I make $15 an hour but with crap hours I still struggle. The car I had broke down, I had a lean on the car through OneMain financial which you can see on the image I posted. They wouldn’t take the car back so I’m stuck with a bill for a car I can’t drive, so my aunt let me use a truck that uses way to much gas to drive back and forth to work. I’ve attached the list from my credit report, those are all the debts I owe and what’s effecting my credit, if I could just get even a tiny amount of help to set me in the right direction it would be greatly appreciated.
Thank you in advance.