Good morning, my name is Alessandro and I’m nearly 44; my wife’s name is Paulina and she’s 36. We don’t have any children. We work in security. Over the years, we’ve run up debts just to make ends meet; unfortunately, due to various emergencies that have cropped up, we’ve fallen behind with our payments. Now we’re no longer being granted credit. (I should point out that we’re trying to sort things out bit by bit.) My mother-in-law lives with us; she is unable to work for health reasons.

My father was also living with us; after my mother’s death in 2013, he came to live with us (unfortunately, he passed away at the end of May).

Now our car has broken down and we can’t afford to repair it or buy another one.

Fortunately, our employer is a lovely person and has helped us out many times.

When we get high bills, it sends us into a tailspin and we’re forced to pay them off in instalments, which just pile up on top of other instalments. We’re just about managing with the rent, bills, food and a few instalments.

Unfortunately, we’re behind with some instalments on a loan we took out a few years ago… as we can’t get a loan that combines everything into a single payment, we don’t know what to do.

I really hope someone can give us a hand.

Thanks in advance for everything