Long story short I am in dire need of mental health rehabilitation due to suicidal & homicidal thoughts. The thing is though, I'm scared to admit myself because I will seemingly fall behind on all of my bills. A big part of why my mental health is so bad is because of my financial situation, as I'm in my early 20's with over 15k of high interest credit card debt. The minimum payments alone eat up over 50% of my disposable income after taxes, what little is left goes to rent and other necessities like my phone/internet bill.
My question I guess is there anything I can do to remedy this situation? I'm assuming that I'll miss at least a week or two of unpaid time from work. As I live paycheck to paycheck, this will mean I'll miss my first payments ever on my credit cards. From what I understand this will make my APR skyrocket (it's already pretty much 30%) which will make my already untenable financial situation even worse.
Since I have no savings to cover these bills if/when I get out of the hospital, is there any sort of program I can look into? Is it worth calling all the individual credit card companies to explain the situation to them and ask for help? I'm at a serious loss as to what to do at the moment, and don't have any real friends/family to look to for help. Thanks in advance.
Submitted August 27, 2021 at 08:24AM by SESHHHHHHHHHHHHHHHHH https://ift.tt/3DpK2qY
