Hello I hate to ask on here for help but I am out of options. I have $40,000 in debt I need to pay off to improve my credit enough to move. When I was younger I made severe mistakes and didn’t understand the implications of bad credit. I want to right things to be able to live my life and move. As it is I can’t afford to pay things off and have a roof over my head. I co signed a car (huge mistake), have past medical bills, and past cards (when I was young and dumb) that total the $40,000. If I can straighten out my credit I can find a more affordable home and live more within my means. This is extremely embarrassing and the reason why I don’t give my first name. So I apologize now and thank you to all that help.