Before COVID, I had worked at a part time job so I could be with my children. I quit a full time job and took half the pay to do this-my choice. Along the way, the money I had saved up diminished and in my stupidity, I took out a title loan to pay for things. BIG mistake. It was basically the only thing I could pay just to keep the vehicle and everything else fell behind. I tried to modify my loan twice during this time with my lender, Fifth Third. The first time, enough time hadn't lapsed before a modification on my loan and the second time, they said it would have been too much of a payment for me to be able to do but they never let me know what that was or gave me a chance to determine that. I filed for bankruptcy. COVID hit and my hours were cut even more so the bankruptcy had not been a success but they did allow me to modify that payment to stay in at this time to save the home. I am back to work full time, but just trying to get caught up has been exhausting and I feel that the payments that I am making to stay in the bankruptcy isn't worth it plus the mortgage on top of that. I feel that there is a better way but my lender doesn't seem too eager to assist in any way. Any options or advice would be greatly appreciated. I just want some normalcy.