harsh for your side. But seems unbelievable that an American asking help here.But,why not?It happens in your country too. Those homeless people lining-up for food stamps & clothes at some charitable outlets.So, that someone who pointed out you to QL might have an impression that QLers are generous people?Hope you can find some.
And you're still lucky, because the authority didn't put you behind bars because they really do that for some loan offenders.