Hello, I just had a couple simple questions that were probably already asked, but I didn't find anything.
I'm 21 years old with around $4k worth of credit card debt built up. Recently I've had some emergencies that have taken me away from work. When I got back I realized that I had missed nearly all my payments for the month and since then I've been struggling to keep up. It's now gotten to the point where I can barely afford food and bills.