Honestly what's my best options here?
I'm 20M, I feel so lost in life due to my stupid decisions that have costed me, what feels like... Everything and has tbh.
Everything was going well in the beginning of 2025 until we hit a massive financial barrier. My mom who was basically the only one providing for the house of 9 we live in has lost her job. I had a job at a burger king in town but I didn't make much of course so we were about to lose everything. My mom's credit is bad, her boyfriend doesn't do crap but she won't leave him. I had a 750 credit so I took out a loan to help me and my family. I forgot to mention that I totaled my car also after my mom lost her job, hit a ditch I didn't know was there and went off road into a tree. I took out $15k and paid every bill that was past due, paid my mom's car off and bought me a cheap car to drive around and paid bills for months on end. I was making payments, sometimes I will be a bit late but I was making much like I said, I was trying to build very strong credit for myself.
Well.. skip those months, I quit BK due to the stress and new management, I went to instacart and was making so much more. Already burned through everything on the loan for food, bills and mortgage. I was doing well until about August of last year. My account completely stopped working. They did an identity check and refused to activate my account. So now here I am, jobless.
I decided while I look for another job to start scraping things I find on the curb or those big construction bins that are on public road. I was making like $100 a week doing this so it was something.. later in August I was checking a construction bin and found a bunch of aluminum from the gutters. Quite a bit also so I started taking them. It's mixed in with a bunch of dry wall and stuff like that and I knew not to touch the ones that only had metal and said metal only. Well... The police didn't like it. One drove by and pulled over and asked what I was doing. I told him I was grabbing some scrap. They then called the contractor of the site and he came over and talked to the police while I stood by the police car. A little bit later I was placed in handcuffs and brought to jail. They took everything in my car that I took and towed it. Apparently.. the dude that had the thing on a public road, ran all the sites. They hit me WITH 5 FELONY THEFT CHARGES OVER $1K. Bro... My bond was $10k and the judge REFUSED TO LOWER IT. I was in jail from August to about last month. I had to get out on a plea deal because my lawyer wasn't doing a good job, prosecutors had all said in the court and I could be facing 25 YEARS the judge said. I have to pay fucking $18k in restitution, they pulled that number out their ass. I barley made crap but apparently it is against the law for taking stuff on a public curb. So.. yeah. They put a police hold on my car and sold it after a few months. The loan went into collections, I still owe like $12k on it and my credit took a MASSIVE HIT. 750 to 526.
My mom got a job as a cleaner for apartments and door dashed on the side to get income. I got a job but every penny is going towards this restitution. I bike to work everyday and learned that my job in the middle of June is moving to a new store... 5 miles away from my house, that's an extra 4 miles to bike.. idk what to do. My mom won't help me out, I feel hated because all anyone talks about Is me and how I went to jail and lost everything. My mom's boyfriend is threatening to kick me out, i can't save up crap for a car or anything. Wtf do I even do here???