I am horrible at asking for help. I'm not even entirely sure what to write. I am trying to get my life back on track and start over. I've been financially drowning since April of 22, due to my irresponsible overleverage, followed by the collapse of the trucking market. My financial pitfall in 2022 has had lasting effects, and I am running out of ideas and options.

I already have two jobs, I can't do more. I have faith, and I know this will all go as the universe intends, and that may include nothing coming from this, and that's ok. I won't ever give up. But I can be so much more effective than I am now, with the pressure. I am currently the only member of my household with full-time work, due to the current economic conditions.

I don't want to ask anyone else to borrow more money. I can't pay it back. If I can, it won't be soon. I am responsible for three others here, and I need to get on top of some things to do right by them. I need help. I am struggling to find joy in life. This is probably one of the more humiliating things I've ever done, but I don't know what else to do. Anything helps, and I absolutely am not expecting all of this, or any, but it is what I am looking at. Most of these problems I created, and I am out of things worth selling.

Things I need:

Health insurance premium, pending cancellation: $1162.59

Spinal injection (set Tues 6/24) out of pocket due prior: $552

Electric past due (currently in payment arrangement): $390.41 + $261.38 (June)

Past due credit card payments (not including in bankruptcy): $476

Last payment for Physical trainer/nutrition coach certification (3rd job): $86.45

Accountant to file 2022 taxes (and amend 23/24) so I can set up a tax payment plan: est $3500-4000

Bankruptcy Filing: $550

Rent July: $1670

Legal fees past due: $3800