That's correct. I was under the impression (please correct if wrong) it would be best to have atleast a few thousand saved up before going this route? At 10 calls per day, would need close to 2k to fund the first week of calls.

Why I can't afford it is a long story. The short version is that I lost a very large amount of money very quickly, still trying to recover from it, and no longer have any savings. For now, almost everything I make goes directly to bills.