I am a 31 year old man residing on the western edge of the chicago metropolitan area, who without help will be homeless in a few months. I work full time and cant get my debt paid off
A combination of bad luck, minor health problems, and my decision to help my terminally mother has left me with over $30000 in credit card and personal loan debt and I am desperate.
My financial troubles started in November 2014 when i was laid off my job. I purchased a home only 6 months earlier with a low down payment and was forced to sell it. I ended up having to take over a $4000 cash advance on my credit card in order to sell it (property taxes, attorney and realtors fees), but I had to in order to control the financial bleeding and avoid a bad mark on my credit report.
At around the same time, my mom’s autoimmune disease was severely affecting her health and was forced to go on disability. I moved back to my parents place to take care if her full time. I did everything possible to make her feel comfortable as her disease progressed, including doctor and hospital visits, and medical care i could provide. My father at the time worked more than full time to pay the rest of the house bills and my mom’s medical bills.
I ended up taking cash advances to pay my student loans regularly and for a while, bypassing paying the high interest rates by repeating taking balance transfer offers from one credit card to another.
My mom sadly passed away in July 2016 at 56 years old waiting for a liver transplant.
I started to look for work again shortly after her passing. After completing a 12 week course to help get certifications to work in a restaurant kitchen.
Starting in late 2016 through 2017, I started to get sick regularly with severe cases of tonsillitis and strep throat, but lacked good health insurance at the time and ended up going to immediate care every 8 weeks or so and being forced to pay with my credit card to cover copays and out of pocket expenses. I had a deviated septum (an internally narrow and crooked nasal passage) that was causing blockage and allowed bacteria to grow.
I did land a decent job in March 2017, and continued to deal with my health issue.
I did get decent health insurance in January 2018 and got my health issues resolved after getting throat surgery. I had to pay my deductible and maximum out of pocket and copays with credit cards, but I am healthy again.
After all of this, I accumulated over $30,000 in credit card debt from taking cash advances to pay student loans, medical cost, insurance premiums, paying to sell my home and food, utilities and other necessary living expenses. I have taken out a personal loan but it only helps a little. I can only manage to pay a little above the minimum payment.
My father was nice enough to have me live him since i moved back in, but without my mom’s disability insurance from her former place of employment and from Social Security Disability, he recently foreclosed on his house. He has plans to move in with his girlfriend in central Illinois, but with my current work situation, it is uneconomical for me to move with him since i lack a car. I ride my bicycle everywhere and i make it work or i get rides from coworkers.
I have been trying to pay off my credit cards, but it has come to the point where i am barely making the minimum payments on my credit cards, student loans, food.
I am desperate. If i can get help to pay most or all of my credit card debt, it will be a great help.
I attached screen shots of my medical claims and current screenshots of my credit cards and loan balances (and I blacked out personal info)