Hello, my name is Zachary. I am a single father of 4. I am a drywall finisher of 16 years. As of October 2024, I was laid off and still have not returned to work. I have been told more work will be available in a month or two. Since I have been laid off, I have gotten behind on a 30K debt I inherited when my father passed away February 28, 2024. The bank has now given me until October 18, 2025, to pay the full amount of the debt or they will take my home from me, my four children, and my big brother who is autistic and under my care. I have tried refinancing, but with me being laid off, no one is willing to work with me. This is the last thing I wanted to do, but I have no choice. Anything would help. Thank you in advance.