Okay single mom to two. Divorced July 2018 and I had to refinance the house. My monthly payment is now $2000. In addition to other bills and credit card debt from my ex. I’m stressing out bc I only make 40k year and I did pay mortgage on time but my score is lowest ever been always been close to 800 now I’m close to 550. I can’t pay my bills and my credit cards are due. I’m an independent contractor and I’ve had to miss some work due to illness and kids needs. I’m 33

I have equity and was going to list the home but I’m trying to stay. I have 100% on time payments on history and that is so important to me.

I want to cry. I have $300 in bank ex hasn’t paid child support and other money due and I have over 4K in bills due within the next week. What do I do?

My boyfriend knows I’m talking about a roommate or another job. But I’m embarrassed to say much to him as it’s not attractive and I’m just a mess.