I just need help. any concern soul out there

Hello, @Gerald, and welcome to The Find Some Money Forum.

I am sorry to hear about your financial problems.

I think the first thing you need to do is explain to your family what the situation is. Honesty is the best policy and coming clean will relieve some stress and anxiety so you can think clearly.

You should also talk to your creditors so you can come to some sort of arrangement to pay this debt off slowly.

You can set up a crowdfunding page on sites like GoFundMe.com or JustGiving.com to raise extra funds.

I hope and pray you find a way to overcome your debt. Always keep the faith and never lose hope or fall into despair.

I have shared your post on my Facebook and Twitter account.

I wish you all the best, feel free to keep the conversation going.