In need of handicapp bathroom and ramps also have unpaid debt

Check your local social service they can advise you on which way to go for the ramps and what ever else is needed for the disabled.as for your debts there is no free grants for that

There are first no grants merely to pay your debts.

Also you are not gong to get a grant direct to pay for bathroom remodel. The government does give grants to larger non profit groups to help others, often low income.

You need to check to see with other groups, American Legion, your local church group, and others. Also you can check if local real estate people know of some