So, I am having to set this up for myself. I live by myself and pay all my bills by myself. I was sick for seven days in December, which set me back. While trying to catch up from that, I had some unexpected expenses come up. I was able to at least get to a point where I could extend and push bills out and at least manage. But then last week, I got sick with COVID and had to miss another 7 days of work. All my bills are already behind, and I’m at a point where I am going to have to decide what to let go and what to keep. I have a $463.00 car payment that is behind and has been deferred more than once. So much of this goes back more than just the past couple of months. I get ahead, and something else happens. My car is the biggest stress I have. If it comes down to it, I will have to choose to keep my car. Without it, I really won’t make it. Without a way to go to work, I will lose everything anyway. So, I just need to get ahead on my car payment. I’m not asking for the payoff, but I just need to catch it up and get a little ahead where I feel safe and can catch everything up and be able to make payments on it without feeling like I’m going to have to choose house or car. I am having to swallow my pride because it’s so hard for me to ask for help, but I’m at a point I do not know what else to do. If anyone helps and is close to where I live, I will work if you need help. I clean houses and offices for a living, and in my free time from that, I deliver for Instacart, Uber Eats, Spark, etc. I will help do yard work, whatever you may need. At any rate, if I can’t get ahead, I am going to go live in my tent for a while. I can do that and make it work and save up, but I’ve worked very hard to be where I am in life. I love my house and home I’ve made; I’m just in a bit of a spot. If I miss work, there is no money coming in, and that is why I’m in this situation.

FYI: My car's name is Toya.

Thanks in advance to anyone that helps!