Don’t miss payments that will hurt your credit worse than anything. What you need to do is list out all your debt from least to greatest. Then start paying on the smallest amount first. When that is done move onto the next one using the amount you paid to the first one added on. It’s called a debt snowball. Maybe see about selling stuff. Get a second job delivering pizza or doing door dash. Something that you can use to put toward that debt.

Are you good at wallpaper? If not be careful. You have to make sure the seams and patterns match etc. my wife did wallpaper in a room of our house it didn’t turn out well. I wish we would have paid the 500 bucks to the company that do it all the time. Now because it looks bad we have to figure out something else which will cost more money.

I would be suspicious of this. If they get your DL info then they can use it to open other accounts for them I. Your name. Years ago I leased my house to a family member with the option to buy it for what I owed. The housing market when through the roof after that. They ended up with almost 200k in equity. They decided to buy for what was left. They wanted me to pay all closing costs and make other concessions. I told them they were already getting 200k. What else did they want. A couple years later they lost the house due to pulling all the equity out. I still don’t talk to them.