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I’m a doctors secretary for 22 years. On February 2019 a have a surgery to remove 2 discs of my neck.  I was out of my job for 3 months. During this time I try to pay my mortgage and debts but because I don’t generate the same salary, all my debts was on late fees. In addition the costs of utilities increases my debts.  One month pay some the other month pay the other but I can’t to get updates on my debts. The alternative that my creditors offers to me wasn’t viable. All the money raised is to pay off all the debts.

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