Even if you don't have DLC cars to start off with you get the Toyota 86.
Take it to the 400pp seasonals and make a fortune.
You can also buy a Suzuki Swift Sport, or a Honda Civic Type-R with your 20 grand. Take it to the new 430pp ff Cape Ring race and you'll make a fortune.
Doing all the seasonals gives you lots of tickets for trading.
Soon you'll be back on your feet.
Google time zone glitch to get your log in bonus up.
There is no need to start begging for help.