I don’t mean to be rude, but how do you expect to pay off any debt or accumulate wealth if you don’t generate any income? Payday loan websites like whoneed500 won’t help you. You will have to pay the loan back within just a couple of weeks (read here how payday loans work). The lottery is just a tax on those who are really bad at math. Unless you have a rich aunt who loved you the best and is nearing her 100th B-day, you’d better start planning to make some money.
Your credit is already ruined. Start from there. Don’t worry about your creditors until you are generating enough income to put a roof over your head and food on the table. Unless you owe a single credit card a huge sum of money they won’t sue you. They calculate some losses on the books and for now, you are one of them. Truly, you need to concentrate on generating income and not worrying about your debt. Taking care of your grandmother is noble, but you either need some help or some reimbursement.
Love her like the Lord loves her but that doesn’t mean you can’t work a full time and job and still help care for her. Many of us worked WAY more than 8 hour days when we were young and dumb enough to do it 😉
Please know that I have way too many things on my plate to write this post only to bash you. I’m only typing these things in the hope that it makes you think. Quit being a victim of the debt you created and start taking back your life!