My God! That whole story is just awful. And the sad part is that anyone can experience that. Just a few mistakes and you stuck with all those charges. I just recommend you to call the attorney or a company that is dealing with such cases. I'm not aware of all the laws and procedures because I'd never experienced anything like that (thanks God!) but my friend did. He had a mortgage loan and then was fired during the pandemic. He thought that he may pay the debt using his savings and by refinancing the loan, but he had a bad credit story and the bank refused his request. So he called san diego bankruptcy attorney and he helped him to announce the bankruptcy and get the mortgage vacation.