I want to be free

Hello, world. You can't imagine how hard is for me to do this. I don't like telling this story because it makes me looks like the dumbest woman in the world. But, I'm desperate and depressed... so here it goes. I fall in love with a guy, I felt he was the love of my life. We were in a relationship for almost 4 years and we broke up last year. I reorganized my life and started working on me and everything was fine. This year, he appeared again in my life. He was in need. He did not has where to live. And, because I still care about him, I let him stay in my place. He was having money problems back then, so I used my credit cards (I know, what a fool) to lend him money (550 USD). This guy nowadays is not even the shadow of what he used to be. He is a really bad person. He did a lot of bad things to me while he was living in my house... he even slept with a woman in my own bed. Right now, he still owes me that money, and the bank is about to report me because of that. Believe me when I tell you that I don't have a way to pay and that I hate the fact that I need to keep talking with him to make him pay me that (he doesn't even care) . And the worst part is that everything is under my name because I never made him sign any kind of paper,so I don't have legal way to make him pay me. I want to erase him from my life and to avoid having to speak with him ever again. He broke my heart two times. And I have never done anything bad to him. All I have ever done is being a nice person with him. Always caring about him and helping him. But I'm tired... my heart hurts every single time I have to speak with him. All I want is to be free. To break that chain and to be able to have peace again. I can't sleep well. I'm sick. It's driving me crazy. That is the reason why I'm begging you that if you are at least a little bit more fortunate than me, help me out. I will appreciate it from the bottom of my heart. God bless you.