Behind on Bills, Out of Money, Running Low on Food and Gas.

Debt/Loans/Credit

As the title states my family is extremely behind on bills. My fiancée and I lost our jobs within the same week back in May of this year. We have been able to just barely scrape by since then by getting help from friends and family, selling items around the house, she has been picking up shifts on an app called Shift Key as a CNA on the weekends when she can, and I took a temp job which I have been pulled off of as of this time. All of that money went to paying on what we could, trying to keep food in the fridge, and gas in the car.

We're running out of options and money at this point as she has been removed from Shift Key due to a bad review. Car broke down on the way to work and she missed the shift. I have a job coming up on August 21st that pays $4,267 monthly salary, but I won't be receive my first paycheck until the 15th of September. My fiancée is also trying to find a job that she will be working on the weekends. We are starting to also run out of food around the house and gas in the car to get to where we need to go.

I have printed documents of all of the bills we are behind on so that I know exactly how much we owe. I have also contacted all of the people I owe explaining that I will be behind for a while until our financial situation gets balanced. The bills I am behind on are rent for $3450, a personal loan for $114.57, another personal loan for $508.83, Lawn Care for $240, Internet for $80, and Phone for $544.26. Totaling out to right under $5,000.

We just need to be able to make it until I get paid my first paycheck. From there I can pay my bills plus a little more until we get caught up. My credit score currently sits at about a 563 since I have been behind on those loans. I'm trying to find places that do manual reviews for loans to try to bypass my credit score and show with my printed documents exactly where the loan money would be going and how I can pay it back. I have not been able to find a bank, credit union, or loaning business yet that is willing to lend a hand.

The benefits in our area all seem to have been cut. I've tried to go to anywhere that used to provide food or rental assistance and they have told me the state of Tennessee has cut the funding for all of these programs entirely.

I'm at my wits end here. Our bank accounts have been drained entirely. I have three kids and I'm starting to freak out about how I will feed them within the next few days. I feel I've exhausted every option which is why I came here to ask if there are any more.

Any assistance or ideas is appreciated.

Posted Aug 13, 2026, 4:12 PM UTC

027
Loading comments…