I have fallen really far behind on my cards and loans. I had missed a lot of work when I was still working at the call center and then had to reduce my hours to take care of my son and for my own mental health. I ended up maxing out cards trying to pay for everyday things and now I'm behind and have them calling me every day. I had looked into a debt relief program but that was going to cause my credit score to drop even more. And I need to get it back up as soon as possible because I also need to find a place to live. I am still living with my ex and I really need to get out. I know this is all over the place but I really need some help. I am starting a new job soon but it's been pushed back due to having Covid.
Honestly anything helps and please share. I feel so overwhelmed and defeated and I just really need help. I don't think I qualify for any consolidation loans and I really don't want to have to file for bankruptcy.
