So basically, my mom passed away when I was 16 and I've been on my own ever since. I've had zero real world financial guidance as my mom was sick through my teens and she was a single mom of 2 kids. I couldn't keep up with bills and used credit cards to survive for a couple years. I've always only been able to afford the minimum payments so I've never really made headway paying them off. I was okay like that for a bit until I took a huge pay cut and couldn't make it anymore. I took out several payday loans over the last year and am in way over my head. I also had a huge lapse in mental/physical help (diagnosed borderline personality disorder and manic depressive) and it basically led to a total shut down where I just stopped paying my bills for months in order to survive off my paycheck and just feeling completely lost /hopeless, coupled with wasting money in unhealthy coping mechanisms. I'm now roughly $400 in debt with 3 accounts in collections and 4 delinquent loans, one of which I just got a court summons for and I'm freaking out. I can't afford to pay everybody. Please help me start in the right direction. I'm in Colorado, 22 years old and I make about 28k a year.
Submitted May 29, 2018 at 10:10PM by cacaotomylife https://ift.tt/2skkJ6H
