Just tired

I came out here just vent. I don’t know where else to go or who to talk to. I feel like I’m always chasing. I’m always running to catch up financially my family got put behind financially due to job loss and we’re constantly paying catch-up and nobody wants to work with you. It’s take type of situation. my mortgage is upside down going through a loan modification at this point I feel like I should just file a bankruptcy and just deal with going through that for five years rather than wait for the modification to go through because I feel like they just jerking us around anyway trying to get the credit cards paid off trying to catch up on all bills then I’m also looking for a second job and I don’t know if it’s due to my age because I’m 40 nobody wants to hire even a $16 an hour job at McDonald’s. They will not hire me. I’m lost. I appreciate you for listening or reading.