I am Derek, and last year on September 1st, I lost my Mother unexpectedly. I am on disability for several anxiety related nightmare issues, and my mom was essentially my caretaker, so her loss has left me with the sudden responsibilities of owning a home, and many bills associated with this. As it stands, my bills are roughly f

$1800 a month, where I make around $930 a month. I have a boarder that pays $900 a month, and we have been barely hanging on for almost a year, getting slowly more and more behind. Things were rough, but manageable, until this month, when one of my lenders decided to take money without asking, leading to a chain of debits leaving me currently at -$665, with no way of knowing how deep this is gonna go. I am losing my mind over this, as I just cannot keep up with this shit without help.