Wow, I am so sorry you are going through this. It is such a violation of trust! They have really done a number on you. You sound really desperate. There really is hope for you.

Your financial life is not over if you make steps right now. You still have credit cards. My fear is retaliation from your parents. Do you have any cash saved? I used to work in the apartment business and they will work with you can make a larger deposit. Alternatively you might be able to find somebody renting a room who you can work with. You might have to knock on some doors but I am sure there is somebody out there that will help.

Back to your debt. You can change the card numbers and secure the accounts from additional charges. I would try to avoid canceling all of them if at all possible because having zero credit cards will really hurt your credit. Perhaps you could consolidate into one and get a lower interest rate. What they are doing is obviously illegal. I don't know how open you are to pressing charges but that is certainly an option. I can understand if you aren't. If you are just scared the police will come to your house and help you move if you ask them. If you did press charges it would be easier to work with the banks to lower your debt.

At 33 your credit is recoverable. For whatever amount you are forced to pay off making even 5 dollars more than the minimum will help. Regular payments really go a long way.

I hope that gives you some options to get out of this situation. I know it will take courage to get out. I really hope it gets better.

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