I am in desperate need of about $4000. I have creditors threatening to garnish my wages and I really cannot go down that bankrupcy path. I already had my tax refund taken from me and I fear that my stimulus check will be taken also. I have student loans, credit cards, and family that all expect payments from me that I cannot make. I work hard and try to make my payments on time, but I have fallen behind and cannot make more than the minimums, which is paying anything to the principal balance, thus throwing me further into debt.

 I do not own a home, as I am only 22 years old, however I do own my vehicle outright. I am trying to dig myself out of this hole before I destroy my credit even worse than it already is and be scarred for years to come. I have already been turned down multiple times by different lenders.

 I don't know what to do anymore. I'm so stressed out that I'm depressed all of the time and cannot enjoy my life. I'm young, I should be living life to the fullest. I'm having a tough time doing so.