Please help me to get my bank account balanced to zero so that I can face our new reality. It got into the negative over a year ago, Dec. 2023, when an identity theft resulted in my account going over $1,000 into the hole. I was recovering from multiple falls resulting in broken bones and a mild, yet long-lasting, concussion, and missed that it happened as I did not spend money that month except for rent and utilities. It was too late by bank rules to fix it.

I had to get a couple of predatory monthly loans just to survive this last year, but have been unable to right the ship as I am on disability and unable to work. I have cut back on everything, especially food for myself (balancing enough without starving, but still losing weight), and I am not making much progress. I only pay utilities, rent, therapy animal expenses, and groceries.

The plan was to keep handling this myself a little at a time, but I am worried that disability will end under current conditions. My account needs to at least make it to zero dollars, and I need to get out of the predatory monthly loans as soon as possible.

Please help. My therapy animals and I would be so grateful. Thank you.