Hello everyone, and first of all, thank you very much for giving me the opportunity to write about my problem. Our story began with the coronavirus, but it is not about illness or health problems, but rather a serious financial situation. When the coronavirus outbreak began, my wife quickly lost her job as a personal trainer, and my income decreased so much that we had to leave our homeland. We traveled almost 2,000 kilometers from home to Germany to create a more secure financial situation for ourselves, but to do so, we had to sell everything we owned except our old car. Then we ventured out into the big world and, with great difficulty, found a place to rent where we paid the deposit and two months' rent, but this left us with very little money, which we then had to stretch for a month and a half until my first paycheck. After working for four months and studying the language hard, we thought we were on the right track and getting our lives back on track. But then we received a notice that, due to its foreign license plate, we could only use our car for a maximum of six months from the date of registration, so we had another problem to solve, which was quite a big one because we didn't have enough money to buy a car and we could only sell the one we had for a fraction of its market value, and we weren't yet creditworthy due to our short employment history and lack of language skills. That's when our problems began, because a kind Hungarian compatriot offered to help us by letting us buy a car from him on credit. Naively, we put together the paperwork and waited for the answer, which arrived 24 hours later, giving us a €27,000 loan and a BMW 4 Series . A little apprehensive but happy, we embarked on a new beginning because we had never had such a new car and would never have taken out such a large loan at home. Yes, but when we took delivery, it turned out that the car was not in as good condition as the gentleman had said, but we couldn't do anything about it because the car had been registered and we had to pay the first, rather high installment. Then, a few months later, it became clear that we would have to replace this car loan with a personal loan because we couldn't save enough for the repairs and we couldn't even sell it below market value because we didn't have the car's registration. We tried our luck, but we ended up with a loan of more than forty thousand euros, which has a fairly high monthly repayment, but the car was fixed and since we were both working, there was no problem with the repayments. But two years ago, we found out we were having a baby, and we've been the happiest people ever since. However, because we work with chemicals, my partner hasn't been working for more than two years because, first, it wasn't recommended during her pregnancy for the sake of the baby's health, and then, after our little boy was born, because he needs his mother's care. This just meant that I had to live on a much lower income, which didn't seem like a big deal until the car broke down again and I had to sell it because I didn't have enough money. Another dealer was kind enough to give me another piece of junk and a 10-month trial period, which I had to get through by increasing my credit limit, because I needed a cheap car to get to work and a lot of money for the lawyer. So, with a loan of €45,000 and a car worth half that amount, life went on as usual until five months ago, because my partner no longer has any income and we have to buy a lot of necessary things for our little boy, so my small salary of just over €2,000 doesn't even cover our daily expenses because the rent and loan alone cost €781+€763, plus €80 a month for electricity, €20 for internet, €150 for car insurance, and at least €130 for fuel so I can get to work. My little boy needs diapers, wet wipes, medicine for his toothache, cheap clothes, and food. So I take on odd jobs and anything else I can find, otherwise we wouldn't have enough money to cover these expenses, but even so, we're just scraping by from month to month. That's why it's very important that we only accept help from people who can afford to give it, because families in situations similar to ours or worse need help just as much as we do. I was just thinking that we give a euro to beggars on the street, and if lots of people give a euro, that's what we need right now. Thank you very much to everyone who took the time to read this, but I would like to express my deepest gratitude to those who are able and willing to help. Thank you very much, with respect and appreciation. This is our little story.