Desperately need relief from debt.

Hi, my name is Kaeli (Tenta).

For the last handful of years I have found myself in a bad situation with credit debt. I am now finding myself in a position where my debt is being sent to a collections agency and I'm scared.

A few years back I had fallen into a MLM scheme promising mentorship and guidance to better my life. I was working as a retail clothing manager at the time and wanted more for my life but lacked the knowledge on what to do to improve. That's when I was fooled by the MLM and my own wishful thinking. Trying to prove my worth I fell further and further down the debt hole, my depression had started to get worse and I reached a low point in my life where I spoke about ending it all. I was able to get some help for my mental state and I was able to back away from the MLM but I was still trying to deal with the damage that was done.

Once back on my feet and making the monthly payments I found myself in another unfortunate situation, I had gotten into a car accident. I thankfully was fine other than a few bruises and broken glasses but my car was deemed a loss and I needed to buy another to make it to work, I lived a 45 min drive from work at the time with no public transportation in the area. After this second event I was able to get back on my feet once again but with more debt to pay now.

A few years down the road and I met a person I fell in love with, I moved to their province as their job didn't allow them to move to mine. Through the move I had transferred with the retail company I had been working with for nearly 10.5 years. I was at the new store location for only three months and in those months it was hell, I was treated poorly by the staff of that location as well as the supervisor to the point I was fearful of losing my job. Unfortunately that's exactly what had happened, I was terminated without cause. Through moving to a new province/city, to a new store & team I was already feeling overwhelmed and this threw me back into a depression spiral.

In this city I have no family and I had no friends, everything was new to me and I felt like I couldn't get anything right. I have been trying to find a job but I haven't been having any luck, not even an interview, most job listings have either been scams or fake posts. While searching I had stumbled upon twitch and live streaming. A few people I met on the platform helped me to begin streaming and I've fallen in love with it. I have been streaming for 3 years now and slowly but surely growing but as much as I love what I am doing now it hasn't been helping to pay my bills and I can't ask my partner to pay as they're the one keeping a roof over our heads. Even though I've been streaming and it's what I want to do I haven't given up on searching for a job to pay my debt but I am still not having any luck.

I felt awful about having to come here to ask for help but my debts are being moved to a debt collector agency now and I am scared and unsure of what to do. My depression has been getting worse these past years and this is tipping things even further.

I am sorry to ask but if you're able to give anything to help me with my situation it would mean the world to me. Though I can't do much to give back for your kind gestures I will find away to say thank you.