I have an issue where I owe my mechanic or he will sue me soon.
My credit is shot to pieces. I do work but unable to cover the expenses of the repairs that's long due. Will not do a title loan.

When your credit is shot then you will have to accept higher interest loans and options until you can repair that credit. Have you tried to worked out a payment agreement with the mechanic? Is he holding your car until you pay?

No but he keeps coming to my house. He want his money and I don't have anything yet

Can you pay him a certain amount each month? Would be agree to accept that?

I can try but not too sure

I can try but not too sure
Call him and ask.

If you can't pay the mechanic, you could not pay for another loan. The local loan stores are bad credit only chance but they just trap you into 25 percent or worst interest.