Hello, my name is Jeremy and I am asking for help to pay off two credit cards. They have been frozen for around 15 years now and I have not used any other credit cards for the entire duration of that time, and will never do so again. This debt was not accrued through any extravagent lifestyle or spending. At the time, I was struggling with money and using the cards just to pay basic living costs and for some of that period I had some health problems and was not able to work. Since then, I have lived conscientiously within my means.
I have always been on a low income (jobs that pay minimum wage) due to having autistic traits, which has limited my ability to get better paid jobs. I have two sons who are on the autistic spectrum, one who is 14 and in residential care and the other 19 and who is higher functioning and more independent. I am a dedicated Dad to my boys and work hard, but have only been able to pay back a token amount each month toward the debt as I just can't afford more. This has meant that they are not being paid off very fast and it is now causing me a great deal of stress - I suffer from high levels of anxiety generally because of my autistic traits. I am in my 50s now and because I am paying so little each month could have this debt hanging over me into my older age.
I live very simply and sparingly - I rent a one bedroom studio flat and work as a full-time cleaner that just covers my basic living expenses. I live under the constant fear that I will have to pay this debt off all in one go but just don't have the means to do that or to pay more, and don't have anyone that could help me to pay this off. I considered a bank loan but the repayments would be far too high.
It would mean an enormous amount to me to be able to pay off this debt and live my life free of the stress of having it hanging over my head. I know that if this was to happen it would have a hugely positive impact on my mental and physical well being and ability to be the best father to my boys that I possibly can.
I would be so incredibly grateful for any help that could be given.
Thank you very much.