I'm not in the USA but I can feel your pain. Credit just all too easy for most people. Banks are always busting themselves to give you an umbrella when times are good and first in line to take it off you when it starts raining.
If I can make any suggestion to you, it is to buy this book:
https://www.ebay.com.au/itm/THE-BARE...wAAOSwbkVaHlDV
DOES NOT MATTER that this is an Aussie book. It has the best financial advice ever written. It won't be free post to the US but its worth finding out how much it will be plus shipping.
You will NOT REGRET IT. I promise you
Good luck with your problem.
Ian
