female, dob: 31.July.1980, metal - wealth and furtune

Its been almost 4 years that I am experiencing bad luck, from work and this last 2 years are finances. Now I am swimming with my overdue accounts credit card and loan. If I am looking for possible solutions, their I can really feel that something cursed cause all seems has a block or I am really unlucky for these past years. Really somthing wrong with me. Please help me. The time of my birthday is past 12 noon, my mom forgot the specific time. Hoping for your help, I badly needed for help. Thanks in advance. I am Leilyn, from Philippines.