Hello, and thank you for reading this! First of all I want to apologize. I know other people need a lot more help than me.. I'm a 25 year old man, I have 2 kids and I'm married. I'm the only one employed as the kids are too little for school and we can't afford a nanny so my wife always takes care of me/ kids/house. But prior to us having kids.. I was stupid and started out all o these loans and credit cards.. in the beginning I was able to control them, but for some time now.. just a bunch of missed payments.the total amount of the debt was 21000€ but I managed to cover it slowly. Problem is.. there's barely enough to keep up with bills and the kids needs as well. My job is not enough and to be honest with you, I'm losing hope, I started to look and act so depressed subconsciously the kids feel it too. I just need some help, and at this point I don't have nothing else.. I swear to God.. Today we were out with the kids, and we've met some friends with their little ones as well, they played in the park it was all good and wonderful until one of the other moms, suggested we should go to the store. My heart shattered when my little girl heard that and wanted me to get her a water and some snacks. Little did she knew her father (me) had a 0 balance... So I played it out, took watch of all the kids and sent those moms to the store to get whatever they wanted and my kids just drank some water from them ...so yeah I'm crying while writing this, but it was so hard and I felt like the worst human being, the worst dad.. and the most pathetic husband...so this is it.. if anyone read this far, i thank you from my heart!