Hello, My name is, Brian. I feel embarrass to type this all out.
Where do I start? I have recently made some bad decisions in reference to our finances. Me and my wife have full-time jobs. My wife is going back to school. My intentions were to take on a few loans to balance out the bills and pay some off while she attends college.
This was contingent that she would still be able to work full-time. My wife is a tissue recovery specialist who has been at her job for 2 years, and has been in the medical field for 21 years. I am a retail Manager that has been in the same job for 22 years. She has been placed on perdiam. She will only come into work when they activate her. When she was placed in this roll, I was on the understanding that she would bring home at least $2,400.00 per month. I was wrong.
In the past 4 months she averages between $1,200 and $1,700 per month. This has placed us in a bad financial position. I am only asking this because I have no support from family, and right now it will come full circle with all the bills and loans are due. We do not make enough to pay bills in the month of May.
I have cashed in almost all of my stock, which wasn’t much. I only have, less than a $100 left.
Before this burden was to hit. I left my job, so we could take advantage of my ESOP. I took another job that paid the same, so we could stay afloat. I worked the new job for about 3 months before I left and came back.
I cashed in my ESOP. I will receive $10,000 per year for the next 5 years. I have already received the first installment. The next one isn’t due until October of this current year. That is to far out. If you need proof, I can provide it.
What I would like to request is, $55,000. This will clear up all debt and allow us to start fresh.
Going into a debt consolidation program will ruin our credit and the amount in fee’s will end up being the same amout of the current debt we owe.
What I would like to propose?
If I could get the amount requested, I can pay $800-$1000 per month on this repayment for the next 24 months. Along with that, the $10,000 checks I receive for the next 2 years will be sent to whoever supports my request.
This would allow us to get rid of all debt in 2 categories.
- Credit card debt- Cancel accounts and cut up all cards.
- Personal loan debt. No more loans.
I would like to thank all who took the time to read this. I hope to resolve this urgent matter as soon as possible. If you have any questions, please don’t hesitate to reach out, if you have any questions about this matter. Or need further explanation. My grammer is horrible, I know. Please help us.
Brian Taylor482
I am currently having an issue with my paypal. I hope to resolve it soon.
Respectfully yours,
Brian Taylor