Why do you swat away help when it's offered? Unless the people offering you help are either a bad presence in your life or can't actually afford it themselves, you shouldn't hesitate to accept help if you need it. It can be hard swallowing your pride, but swallowing high interest rates or bankruptcy is even worse. And if you let them help you now, you'll be in a better position to help them when they need it.

Anyway, the bat grabs your oar in its surprisingly strong claws and carries you away.

Your credit has died.