I’ve put myself in a hole I never imagine. I have 2 vehicles with negative equity. A mortgage. And no savings. I used my savings trying to claw out of my negative equity to bring down my monthly debt to income. I was hoping to have it paid off by the end of the year.

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I’ve lost my job. I’m 3 months behind on everything. My checking account is -$2000 with no income coming in. At this point I’m waiting for the lights to cut out, the vehicles to get repo’d (can no longer afford to put gas in them to drive to interviews), and my credit cards are maxed out.

Obviously this didn’t happen overnight, and I saw the signs but thought I’d figure it out. Well I didn’t.

So now I’m just looking for some direction. Really just the first step or so.