Begging Money

Financial Hardship Help

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I desperately need help with loans and medical bills

Hi all, I have recently had an accident that has resulted in some medical bills I am having difficulty paying off in addition to the loans that I had to take out. I am in serious debt and my life is in a downward spiral, what started with a credit card to help with expenses has turned into three maxed out credit cards totaling 13,000 in debt as well as around 10,000 in personal loans following the credit card limits drying up. This has led to the destruction of my credit score and issues paying rent. This has been the cycle and somehow I convinced myself that I would be able to dig myself out of this hole, but I need help. I have no capability to dig myself out and need any help that is available.

 

https://www.paypal.com/paypalme/DuncanMcMaster98?country.x=US&locale.x=en_US

 

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Please assist me with my recovery

Firstly, thank you for taking the time to read this. It is greatly appreciated.

 

I am 24 and up until a few months ago I had spent 5 years battling with a severe addiction which has completely taken over the past 5 years of my life. Fortunately on the 18th July 2022 I made a decision to go to a 14 week rehabilitation centre and haven’t been near gambling since. However, I am still early in my recovery and as advised by many of the staff at the rehabilitation centre, it is advisable that I spend at least my 1st year of early recovery without any potential factors that may upset my new routines and recovery. This includes things that could potentially influence my stress or emotional state such as entering a relationship or work. I have made the decision to follow this advice but am struggling with money and any amount would allow me to fully focus on my personal development and self improvement to map out a new life for myself without needing to struggle financially for things.

 

PayPal https://www.paypal.me/Akendall1998

 

@akendall1998

 

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Desperate Situation

I don’t think I’ve ever been in a worse situation than I am now ! I’m a mum of two amazing children who ask for nothing and an amazing husband who tries his hardest every day, unfortunately he lost his job back in October in the construction industry and is fighting every day to get a job, but we are now at breaking point and have nothing left to give , my small wage only just covers the food so I’m currently searching for another side job as well as selling lots of our things!

I’m mentally exhausted and feel that life is not worth carrying on at the moment, but I’m trying, most of my family have now passed away my brother in a terrible accident, mum and dad too the dreaded ‘C’ and I have no one to turn too anymore and my husband’s mum is 87 she has helped us as much as she can, I’m frightened we are going too loose everything , my kids don’t deserve this .

My Gas and electric is over £5000 along with other debt building up.

I’m asking if anyone can help my struggling family I would truly appreciate it and be forever in your debt. I just want to be able to sleep at night knowing I will keep a roof over my kids heads and full tummies.

https://www.paypal.com/paypalme/vikkiguy

 

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On the edge of losing everything I worked for

Good day to all. I am here to try to get some financial relief by getting the funding to pay off a few loans so I can get caught up financially after a devastating job loss. The start of my problems began in August of 2021 when I lost my job at no fault of my own. I was a Chief Supervisor for my department at a local municipality where I started at the very bottom and worked my way up to the top position aside from Director. I loved it and was making a great living. Unfortunately some restructuring within the municipality happened and ultimately I was put out of a job. I searched for comparable career openings but none were available. I was able to find employment as head of maintenance for a hospitality company that owns several Holiday Inns. I really enjoy what I do but unfortunately the salary is just not enough to keep up with the bills I currently have. I need to make some changes before I lose everything. I have already used what savings I had and sold some valuable belongings to keep everything paid. I recently had to take some personal loans to stay caught up but now of course I have just put myself even more in a bind at the same time. What I need to do is pay off these loans and trade my vehicle in on a cheaper vehicle so I can have a much lower payment. I tried those things but I am upside down on my vehicle so I cannot trade it without a decent down payment which of course I simply do not have. I tried to get a personal loan that I could use to pay off the other loans with as well as put a down payment on a  trade in but can’t get financing. That would have taken my loan payments from over $300 a month down to one payment of about $160 a month plus allowed me to trade in my vehicle and get rid of my very high car payment. I am out of options and I cannot afford all my payments. I can get myself completely back on track and have everything manageable with $4000. I have worked hard my entire life and it is hard for me to believe that $4000 is what can make or break me. The loss of my previous career has really humbled me. I will definitely not take anything for granted ever again. I am beyond grateful for any help I may receive and know that it will be truly life changing at this point.

https://www.paypal.me/clintballew1

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Please Help Save My Business & Family

Asking for help was always an embarrassing thing for me to do all because of my EGO. I’m now finding out that it takes a bigger person to not be afraid to ask for help but I still feel somewhat embarrassed. The truth of the matter is that I used to be a youth councilor and a teacher at a private academy for trouble youth. I work there for almost 3 years but a severe accident playing hockey. My own player ran into me and I ended up somehow bed written with a Cerebral & Brain Stem Concussion, 6 Herniated disks, torn ligament that connected to the skull to the neck, and a severe whiplash in which the tissue under the skull and over the skull was severely, for 4 years. My wife had to help me go to the bathroom and feed me because I couldn’t get out of bed and couldn’t even lift a bowl. It was a terrible situation.  The accident happened in 2008 and I only started getting up and walking with crutches in 2013. Never thought I would ever get up again. It was after months of therapy and healing that I started to try to find work. I slowly began doing small landscaping jobs and bought an old SUV off my mother in Law. It was later that I started doing small interior jobs and was learning all the trades with the help of different people. By the time 2015 came around I was a complete full rounded handyman.

I later started my Contracting business. Slowly and surely I started build up a small clientele and things were starting to go well. But I realized that I had to expand to make enough for my family because in 2018 My wife was pregnant with our 5th. I had big plans on how to expand but then suddenly Covid hit, and everything slowed down. I went and worked for other people and did whatever I could to keep us afloat. Once Covid was over I had borrowed money and found myself just making money to pay those debts back with very little left over for our family bills. I decided this was no better time to expand. I hired someone who would help with phone calls and quotes, someone to help go see clients and more employees. I then incorporated my business officially and everything seemed to be moving smoothly. But then a big storm swept right through Ontario and the Kawarthas, the region in which I was residing and where most of my work was, had been hit hard. We had no power for days, some places for a week. All clients I had and was newly acquiring had decided to stop moving forwards with their projects and everyone decided they had to go through insurance for their repairs. So, for 2 weeks there was no work and I so many hours dealing with insurance companies for clients trying to get what was asking for the job. Only 10% of the insurance companies were willing to pay what was required of the jobs. But it was either take what they were offering or have no work at all. So, we manage for awhile but it was getting bad. On top of all this I soon found that my office guy I hired was not including his wages or mine or even the overhead costs for the business itself and I found myself doing jobs August 2022, & September 2022 out of my own pocket. So all the money I had made was put into those job. I still have jobs that are not finished and I’m waiting to make more money so I can go back to finish them. So, I started to book for November, December, January, and February, being the slowest time of the year up her in cottage country. It was then that I found out my mother was doing well. It was at a younger age that my mother was diagnosed with Paranoid Schizophrenia and from the age of 4 to 18 was not aloud to see her. As soon as I turned 18 I made my way to North bay Ontario and went and saw my mother for the first time in 12 years. We began a relationship we were never able to have and I told her that no matter what she was a good mother and she did the best she could. She cried for 3 hours like she had been realized from a burden she had been carrying for years. It was Later on that my mother was taken in by my aunt her youngest sister and with her care she improved drastically. She had lost bad weight, they were able to reduce her medication, she know longer had to take insulin for her diabetes. It was so exciting. But 2 years ago, the summer of 2020 I had a phone call from my aunt that my mother been diagnosed with Brain and lung Cancer and she had no longer then 6 months to live. But somehow with treatment and better eating the brain tumor was gone and the lung Cancer was diminishing. She was here longer then we expected and it was for the first time that my wife, kids, and myself were going to be able to see here for the first time in 5 years because of Covid. But it was Monday November 21st that I got a call from my aunt and she told me that my mother passed in bed.

They resuscitated her even though she had a non-resuscitated listed on her medical. So, I made my way up to see her so we could as a family pull the plug. On Wednesday Nov. 23rd we pulled the plug and it was quick because she had no brain activity. The sad thing was the doctor came and told us that she never had a heart attack, she never died from cancer but rather she had gotten an infection and it got septic and it got into her blood stream. It could have been prevented.

I new at this point I was in trouble. Due to the timing of her death it was going to affect all the bookings I do for January, February, and I already postponed a basement Job to start that week. But my aunt informed me the night I arrived that she had life insurance and that I would be receiving $125000.00 so all my financial stress all went away that very second. I offered some of the money to my aunt because she was the one who took care of here for so money years. But she said this was there so for me, my wife and 5 kids. She and my uncle were ok. I took some time with my family and grieved. I released the clients to go to another contractor or to wait till after the holidays. 1 client found another contractor and the other one changed her mind after the holidays to finish the basement. This was ok because I was getting insurance money. I spoke to every single company I was indebted to and those I owed money to that as soon as the insurance money had come in I would take care of all my debts and what I had borrowed from them.

I waited and waited to find out from my aunt who was the executor of the will and who happened to be in charge of the insurance policy. In the middle of the holidays she informed me that there was a problem processing the policy. So it was 2 weeks ago Today that she informed me that the broker that sold the insurance sold her Accidental Death Insurance not regular Life Insurance but that they were looking into it. It was just today January 30th that she informed me that she was notified that there would be no money given to me. At this point I am devastated. We pushed every bill and debt you can thing off to the latest date. Everything is about to crumble, my business, our living, the people we owe money to, etc.

Our family needed this money so badly. I made decisions based on the fact that it was just a matter of time before we got the payout. The truth is it was going to save us. Instead everything is going to fall apart. I tried personal loans, business loans, and even private loans but couldn’t get anyone to lend us money cause I never started asking till it was too late. We need help. We have asked family, friends, even tried to find private lenders but to no avail. If there is someone who is willing and able to help I promise to build my business in such a way that I will pay it forward. Please I’m begging. I need to raise $16500.00.

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Down on luck and out of funds.

Hi, my name is Sheila. I’ve ran into a bit of a situation that has dissolved my weekly check. I failed to pay my car insurance,  no ones fault but my own. I made the decision to not pay it in order to keep food on the table and a roof over our head. It seemed like an OK decision at the time, I’m not one to burden anyone for assistance,  besides this wasn’t the first time juggling monthly bills. Rob Peter to pay Paul is an occasional norm in my household.  I’ve always seemed to manage, that is until now. I was on my way to a job interview for a position that would be a promotion, a position that would help with financial freedom.  Unfortunately,  I was so excited  I failed to notice I was traveling at 52 in a 45, which seems petty… but speeding is a reson to get pulled … which I did. And as you may already know what happened next. Yes, a whole strand on unfortunate events were about to go down. Without proof of insurance,  my car was towed and placed in impound, and that’s not all. Due to lapse of insurance,  my tags had been canceled and my license had been suspended- all of which I was unaware of but now taking the responsibility of. I was able to get coverage on my vehicle using my everyday living funds and making a few sales on marketplace. So just when I thought things were looking up, is when the rug was ripped from underneath me. I went to get my car- (needed for transportation to and from work). Only to then find out the reality of the consequences caused by my poor decision of juggling bills. It now will cost me $240 for tow, and an additional $40 per day. And the car has been there since January 25th. As of now I’m looking at $520 to get my car back, which will allow me to continue working. One good thing of this horrible situation,  my employer has been grateful for allowing me to use pto, otherwise an uber ride daily would’ve just added to the funds that are non existing at the moment. I hopeful that there is someone willing to help me out of this horrendous situation I’ve gotten myself into. I have had to swallow my pride for this one, it’s not easy to except failure and negligence caused by self. I’ve worked very hard to provide for my family,  my work ethics speck volume.  Somethings are learned the hard way and this is definitely one of those. I thank you for taking the time to read my need, and if I’m lucky enough to get the help needed through this process, I can guarantee I’ll be paying it forward in the future. May you have a blessed future.

Sheila

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There’s no where to run and no where to hide

   My daughter and I were put on the streets after a real estate agent scammed my dad for over 250,000.00.

My dad needed to sell his house that my daughter and I had been living in for fourteen years, he needed to pay for cancer treatments. He told me that he would give me proceeds from the loan so I could get another place. Sadly that would never take place.

My dad had entrusted his neighbor and real estate agent to do a walk through and then he would put an offer up. He did a walk through and informed my dad that the garage was being used to cook drugs. My dad asked me if that was true, I told him no, why would he ask me that? He replied; “because he’s a real estate agent!” I stopped him there and walked out. That would be the last time I ever spoke to my dad, until the day before he died. My dad chose to believe that agent and in turn the agent himself bought my dads house for $100,000.00. The house could of been sold for 350,000.00. The agent took advantage of a dying man and a strained relationship between father and daughter.
The agent never followed any Washington state laws when dealing with a drug lab. If I had been cooking in the house we would of been forced to leave the premises until it was cleaned by an accredited lab and pass an inspection. The agent also informed my dad that the house would need to be ripped down to the studs. The agent himself never did that to the house.
I was fortunate to stay in the house for another year while Covid was taking place and the CDC’s moratorium was still in place. Unfortunately for me that moratorium would be overturned a day before my ejectment hearing. I didn’t realize until I’m in court via zoom that had taken place. I lost that case, I was no match to a seasoned lawyer and the judge ruled that I was not a tenant and would not be receiving a court appointed attorney. Not sure how that computes? I would have 24 hours from the time the sheriff serves me.
Needless to say I didn’t have a storage unit yet because there just was not one available. I finally got one just days before I was to be out. In the end I had two bedrooms that I barely moved anything out of that I had to leave and wait for this agent to release to me. When that day came he gave me very little notice and charged me $283.00 for storing my belongings in my former house for 11 days, that was a “reasonable storage fee.”
I noticed right away that some of my things were not out there so I called the cops, the cop verified that the items I spoke of were in the house but that agent never did return them to me. I had to set up another time to get my things and was reprimanded by his lawyer, saying; “hadn’t he already gone above and beyond for me?

That agent whom I’ve never met before came into my home and in ten minutes destroyed my life as I knew it. My dad never spoke to me until his death, nothing could ever fix that, everything else can be fixed or replaced but I will never get to have that time with my dad back. The snowball effect from that agents actions have cost me dearly, and it keeps going, all my possessions are about to be sold at the storage unit if I don’t pay them $800 and move out. I would have to pay for another storage and be able to move it to one in a moving truck.
I have ran out of options? I’m hoping to somehow get into a mobile home. It’s the only affordable alternative for me.
I will forever be great full for any help I do receive. I’m ready to take this experience and turn it into something positive for my daughter and myself.

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Family in dire need!

There are thousands of known species of mold fungi with diverse life-styles

Trichoderma

Is the one That has changed my family’s life drastically.

The McCloskey family has been through more than most families can even imagine. Dad is disabled, and mom had to go back to work full-time after she became disabled herself. They were evicted from their home because it was literally making them sick with mold and fungus, and they are now living in a hotel. They have three cats and one service animal, and they are struggling to make ends meet.
But despite all they’ve been through, the McCloskeys haven’t given up. They’re still fighting for a better life for themselves and their children. And that’s where you come in.
Your donation will help the McCloskeys pay for housing and legal assistance as they try to get back on their feet. Anything you can give will make a difference in their lives. Thank you for your generosity and compassion.

Mold is also capable of growing both indoors and outdoors and thrives in warm, damp and humid settings. It can exist in any season and almost all environments. Moreover, mold can appear in many different colors, and sometimes as spots. In addition, mold has a musty odor.
If mold gets into your HVAC system, the damage can even be greater. The mold is likely to spread throughout your ducts and will keep multiplying under the right conditions. Turning on your HVAC system will help it spread throughout your entire house.
Mold thrives in numerous places, both indoors and out, and you can find them wherever there is moisture. Exposure to mold, regardless of its type, can result in an array of health effects. Possible health issues that can be caused by exposure to indoor mold include:
• Nasal irritation
• Throat stuffiness
• Rash
• Watery eyes
• Eye redness
• Nasal congestion
• Wheezing
• Bronchitis and pneumonia infections
• Eye issues
• Coughing
• Headache
• Joint pain
• Fatigue
• Skin irritation
• Muscle pain
• Concentration issues

We have had all these symptoms for Past 2 years. Now being in hotel withdrawal symptoms from not breathing in the fungus on a daily basis. Are bodies detoxing a little more and more everyday.

80% of people experiencing homelessness are temporarily homeless due to sudden changes in their lives.

45% of adults experiencing homelessness have in the last 30 days

 

Our health was not taking seriously from local and federal authorities. The live electric wires hanging from ceiling where smoke detector should have been hanging. The state fire marshal just passed that buck to next agency who told me they couldn’t help either. The judge and court bailiff both got asked to look at their own court room as the paint seemed to be peeling off wall. Would this be the same mold/fungus I have become deathly allergic to but forced to breath it in and fight for my family’s right to Fair Housing which is Our Federal Rights to live in a safe habitable home. We are trying to raise awareness on this situation our family has endured to try and protect others. We have literally had leave all personal belongings behind as the fungus has taking control of all 16 years of memories and memorabilia. We have already started the task of purchasing new clothes and all other things that are going to be needed.

We have lost a lot in the last month, but our daughter’s smile and the wonderful staff here at the Country Inn by Radisson have been a life saver. We would be so appreciative for any assistance you can provide. Thank you from the bottom of our hearts.

Thank you so much for considering making a donation to help our family. We are currently homeless and living in a hotel. We have been evicted from our previous home because it was literally killing us with mold and fungus. We are a family of three, with three cats and one ESA service animal. We are in dire need of housing and legal help. Being homeless almost feels like a target has been put on my family’s safety and well-being. Anything you can give would be greatly appreciated. Thank you so much for your generosity.

main things needed asap

new clothes unfortunately we thought they could be saved we were terribly wrong. The rashes we broke out in.
New shoes.

  1. Trying to rebuild a 9 year old girl is going to be a challenge. C5DEAD11-80BF-4940-81C2-B62C7C40F3F2.jpeg

Food

extra nights at hotel we’ve already spent a lot we’ve been here a month

The McCloskey’s

PayPal.me/nmccloskey03