I need help getting my life back in the right direction. As some of you know my apartment burned down last year, but my renters insurance only covered me for a little over half the damages. I maxed out my credit cards trying to replace the things that were lost, but since then I’ve struggled mightily to pay those back off. I live by myself, and after I pay all my monthly bills I tend to break even, only being able to pay the minimum payments back on my credit cards. With interest killing me in the process and my credit score plummeting, I looked at this as my last option. I hate asking people for help cause I always do everything alone, but I can’t do this alone anymore.