Need Help Meeting Monthly Expenses

For the last 13 years, I have battled a number of health issues, including End Stage Renal Disease and COVID (as seen in the picture above) and suffered financial reversals as a result of an inability to work. For an extended time, I attempted to use debt reconciliation to meet the challenge of my debts, but GRT Financial/Huron Law Group was more interested in collecting fees than actually negotiating with my creditors and settling my accounts, so I left the program after two years and $10,000 lost. All money raised by this GoFundMe previously went towards covering ever increasing monthly drafts to GFT/Huron that nearly surpassed my rent amount at one point. and those donations were (and still are) greatly appreciated. Because my current income comes solely from Social Security Disability, legally I am protected from lawsuit collections in Illinois but the debts remain until my finances make a turnaround.

So now, my challenge is stretching my benefits to meet my rent and medical needs. Food insecurity is the biggest issue, and having no money to cover incidental expenses, let alone emergencies. I would like to be able to pay something on my outstanding debts but that simply isn't possible at this point. So any little help over this holiday season would be greatly appreciated. Thank you.

Timothy Christopher Joyce, Jr.

10/17/2023