To whom it may concern:
I am a 54-year-old disabled (I am a right below knee amputee) healthcare clinician and former executive with a family of four facing the possible loss of everything we have, including our home.
My current troubles began in 2015 when I was injured at work in and then let go in early 2016. Until 2016, I had been gainfully employed and well compensated as the Vice-President at a Michigan rehabilitation hospital until I suffered injuries to my cervical spine and tendons of my right hand, and further injuring my right residual limb.
For nearly two years I was unemployed and nearly lost our home to foreclosure. My home was placed in forbearance and I nearly lost everything. As it was, the entire situation left us deeply in debt. Eventually, by the end of 2016, due to my financial situation I qualified for financial assistance and Medicaid. Thanks to Medicaid, I was able to get the surgeries I needed. By May of 2017 I was able to work again. To provide for my family and avoid foreclosure on our home I had to cash out of all my retirement savings.
After getting a job out of state, though disabled, I was once again working at a substantial salary and began to resolve my debts, improve my finances, and avoid bankruptcy. However, it was still challenging to do so while also providing for my family. Just renting a room cost me an additional $500.00 a month and that did not include the costs of food and gas for my car. Living out of state had cost me over an additional $1000.00 in expenses each month. I have included a record of my rent payments while away.
To add insult to injury while traveling the 1200-mile round trip journey when I was working to visit my family, I had an auto accident which left me having to buy another car (used) so I could still get to work. This cost nearly $12,000.00.
Even though I was working at a lower salary (1/3 less than my previous salary – though still a good salary) and had the added expense of living out of state, I was able to resolve nearly all of my credit card debt, and remain on time with my mortgage, and help my daughter with her college expenses.
It was in September of this year when the facility I managed was closed, and I was laid off from job that disaster struck. Because of previous financial difficulties and this new hardship, I am unable to make my mortgage payment and my home is in forbearance once again. I am also unable to make my car payments and I am at risk of losing our family vehicle (I owe approximately $2500.00 on it). I am also behind on utilities bills, medical bills, and the portion of my daughter’s college tuition (approximately $1700.00) that she is counting on me to help her with.
I was fortunate to once again gain employment, though this salary is lower than my last salary and close to 50% lower than my salary before that job. However, it was enough to allow me to negotiate with my mortgage lender and extend my forbearance for another three months. I was to begin on 02/11/19. I was ready to start when just a few days before I was to leave for Wisconsin the polar vortex hit. This resulted in our losing power for approximately 4 days and delayed my start date to 02/14/19.
We were preparing for my departure when my mother-in-law became gravely ill and was place in hospice. As we were told that she could pass at any time, my wife wanted to travel to see her (she lives in Up-State New York). Despite the fact we could not afford it we applied for credit and bought a plane ticket for just under $500.00 so she could get there before her mother passed. This delayed my start date to 02/18/19.
My wife did visit her mother and returned, and I left for Wisconsin on 02/17/19 during yet another snow and ice storm. During the trip my car began to develop issues with suddenly accelerating and decelerating as well as losing power. I came to find that my car, a 2015 Nissan Sentra, utilized a CVT transmission, which unbeknownst to me was a known to have problems problem that affects all CVT transmissions that are in many Nissan cars. Nissan has failed on their part to inform the consumer about this problem. The main reason for this appears to be that Nissan owns a 75% stake in the company that makes these transmissions for their cars. JATCO is the company.
On 02/18/19, I also filed a consumer complaint against Nissan. Nissan requested I bring the car to a Nissan Dealership to have it examined. I brought my car to a local Nissan dealership in Green Bay, WI where it essentially died. I was told that the answer was to replace the transmission for approximately $4100.00. Nissan decided that, despite the known issues with the CVT transmissions, they will not help at all.
I cannot afford the repair cost of $4100.00 quoted by the dealership. Now I am forced to now rent a car (as I need a car for my new job) at a cost of approximately $33.00 a day I feel betrayed by both Nissan and CARite (the dealership I bought the car from -which will not even return my phone calls). I understand the car is used but the fact both organizations are selling a car with a known issue is something I find wrong. In addition, this has put my livelihood in and the security of my family in danger. I feel they have taken advantage of a disabled man who has limited resources.
To make matters worse, as all this was happening, we received news that my mother-in law passed away in the early morning hours of 02/19/19. As I did not have a working vehicle and we could not afford a plane ticket, my wife decided she would attempt make the 10+ hour drive to her mother’s funeral. Before making the trip she thought she would take the van in to have it service as it was overdue because of our financial issues. When she attempted to do so the van would not start and we were faced with another bill of over $500.00 to get it running again. These constant setbacks have stretched us past the point where we can even afford to have my wife drive to attend her mother’s funeral.
As you read this you may feel this all strains credulity. I understand that. My wife’s family feels that way and believes she simply does not want to be bothered to travel to her mother’s funeral and this has caused a rift between her and her family. Now it is too late for her to attend the funeral.
In the past I have been able to overcome multiple difficulties in the past such as abandonment by my father as an infant, my mother’s institutionalization for mental illness shortly after my father’s left us, being raised in two foster homes, the loss of my leg at the age of 24, two children born with birth defects and multiple financial struggles caused by various life events. At this point, I am reduced to simply pleading for help. My family’s and my life are in a tailspin and I don’t know how to pull out. Somehow, I need a working vehicle again, just to TRY to survive. Is there someone who can help either with a repair, a car, or even no interest financing to repair my car despite my damaged credit?