Hi I am a single mom on  disability. I bought a car about 6 months ago from private owner and it ended up having a ton of problems. I work for DoorDash part-time and need a car. I’ve had to put every penny I’ve had into it and I still don’t have it running right. I need help with cost for some parts , I found someone to help me do it that’s not going to charge me as much as a normal mechanic but I don’t have the money for either. I also  need money to get it insured because I’m not been able to insure it due to the fact that I put so much money into it. Anything little bit helps. I just need to get back on the road so I can start working again. Thank you and God bless.

Paypal @roxxyrider69

Since my files are too big to post here, I added an Imgur link to a compilation of what I’ve found and all I spent. its not many pictures but enough  to show all that’s happened and what I need to do to make my car safe and fun to drive again like how it was when I bought it from my sister years ago.

View post on imgur.com

I’ve been putting off my maintenance for far too long and that’s due to how daunting it is and how expensive in the short term it is as well. About a year ago, I needed to redo my suspension and other miscellaneous things on my car to make it safe to drive again, and planned on doing it myself. Spent well over a thousand dollars, possibly even more then that, on quality and Honda recommended replacement  parts, new tools, and safety gear to make sure it went well and as smoothly as I can manage while working my current night shift at my job while working varying weeks with different hours with alternating off days. Due to my mother interfering and pushing me to take the car to a shop, I ended up without my car for almost 4 days, while worrying about jury duty for a solid week. I got my car back a day early, with an ABS light on and no alignment what so ever. And they charged me and mom, $1300 for incredibly shoddy work, on a job that should’ve cost at minimum $600 or so, and taken at most a day and a half for everything to get done right and to proper specifications in the manual. To add insult to injury, my battery died the day after I got it back before jury selection, and mom used my car again days later and bought new rear tires without me knowing until she texted me that morning. I bought a new battery that day for almost $200, and almost ran out of money since I had to pay my mom back again. All the bills for this work, for the most part, are paid off, but I don’t want to be stuck in this situation again and I don’t want to buy my parts over the course of months like I did previously I need to rebuy all the parts they mounted, because they failed to grease the joints, new used tires from a local shop for $220, and look into getting a new paint job since Honda recalled the paint on my line of cars. There’s plenty of good shops near me but quotes and even the prepping of the panels for new paint will cost at least, by my calculations, $1000 to get it looking like new again. Its a 2006 Civic LX and I plan on selling it later but not with the number of problems it has now. I need to raise at least $5000 for new parts, tools, and possibly labor should I need to take it to a better shop nearby. Thankfully I can do most if not all this work on my own, but I need to build the money and I can’t do that well while feeling so strapped for cash every week. my depression, anxiety and my sleep cycle make this profoundly more difficult and money troubles is the last thing I really want to deal with. I’d rather have a cushion to better protect myself and to not have to rely on my mother who seems intent to think I’m unable to do my own car maintenance. I can fix my car no problem. its building that energy and finding time since I work so late that makes it hard. I’d like to make at least $5000, but any more then that and I can start getting more parts that feel like they’re starting to wear out, and make some preventative repairs to help the engine and other critical components last. And spend the money for a full diagnostic to see if that other shop screwed me even more then I thought and prep for possible legal and malpractice charges against them. My car is my baby, its how I get to work and how I take my mind off things when the going gets rough. This car, as run down as it is, is my life. I’d do anything for it to make sure it lasts a long time. I’m not able to save readily enough or fast enough helping my best friend even eat. Or managing my own subscriptions to keep me safe online and such. Below is my PayPal, If you can help, please send it. Whatever is possible and can be spared, please do what you can.

 

PayPal: paypal.me/Z0N1C

To anyone taking the time out of their day to read this I truly appreciate it. I will start off by introducing myself and telling you a little about me. My name is Monica and I am 33 years old. I am a mother to a 13 year old and very artistic girl and I am also currently pregnant with my second child. I understand many people don’t believe that whatever happens to you as a child should dictate who you are as an adult. I disagree because if those childhood traumas are sill in play today it is always almost impossible to move past it. Growing up my life really wasn’t the typical American dream. My mom gave my sisters and myself up at an early age where the only “family” I had was my step dad side. I know he loves me but at the same time you can not tell a child they are not yours because you are upset with them and you have been in the picture since the child was a few months old. No excuse!

My mom has always came and gone in our lives as she pleased. She was not there for anything important to us. She was not there for my first menstrual cycle, graduations, the delivery of my child and I am sure she will not be there for my second. She recently came around after being gone with no contact for 16 years, mainly because she found out she had breast cancer. I do not hate her but we will never have that close relationship like most mothers and daughters because she was never there. I found out in September of last year 2022 who my dad is. I have always been lied to since a child that he was dead. Come to find out he was an acholic and still in recovery. We talked faithfully for a few months and then he disappeared. I am kind of used to people leaving so I did not take it personal.

 

When I gave birth to my first born in 2009 I have never gotten pregnant again. I always assumed I couldn’t have anymore children. At the end of January of this year I decided to take a pregnancy test because I felt movement!! Like I have never believed the women on tv not realizing they are pregnant but it definitely happened to me! I was almost six months pregnant when I found out. I am currently 29 weeks and considering I have not started my remote job I have gotten my baby a few things on my own. There is still so much she needs but with her father paying everything and the money is tight it is almost impossible for him to help.

 

I bought my car in 2020 used for $5000. Absolutely no problems whatsoever other than having to get a new battery. My car has been sitting outside since October of last year because we were not sure what was wrong with it. My boyfriend decided to take it to a transmission shop to get a diagnostic done on it. Well, he received a call from the mechanic and the transmission he found has 97k mile on it for $1100 and with the part and labor it will cost us $2500. The cheapest option for us will be to just get the work done as we do not have money for a new vehicle. Once the transmission is replaced she will be good as new as she has always been a good car and we have no codes showing up. This is the time where a person would ask family for help but with my background I have no one. I have always had a life as a child until now that I had to make a way on my own.

It has been very stressful these last few months with not knowing I was pregnant, rushing to get things for the baby with not much time left, and not having a working vehicle.  I do not like asking anyone for help but this is a situation where I do not know what to do. I would greatly appreciate if someone could help my family. We are good people. We do not bother anyone or wish ugly unto a soul. We are really trying our best and just need help. We have been together since 2016. I moved out of state to be with him from meeting on a dating site.  We just need a helping hand. He is a hard worker and a very good father figure to my child. I do start my remote job on the 14th but I wont hold my breath because I was suppose to start the 20th of last month but they changed my training day.

If you need proof I can show it to you. My baby is due in May and my car is sitting at the shop waiting to get worked on but they will not start until we at least get the transmission covered first. Please help if you can as I do not know what to do. I am so stressed and so much going on at once and with the possibility of having gestational diabetes I could really used some weight lifted off my shoulders. I am even willing to pay you back a little at a time when we can. We are good with our word. Please someone help us!

My paypal is paypal.me/MonicaDavis89

I.have been abandoned by my family. My only friend went into septic shock in May from dialysis.  He has still not made it home from the hospital. He was the only support system I ever had.

I have suffered from clinical.major depression my entire life. I believe it is from mental.amd emotional.abuse because my dad played me like a game piece against my mom.telling me she didn’t love me so.i would go with hom.everytime she caught him.cheating on her because he knew I was the way for him to be able to.come back home.

No one would help me. My grandmother was brutally stabbed to death when.i was 17. It didn’t hit me until.i was 19. So in 1994 I tried my best to die.  I didn’t know what was wrong and the pain was so great I knew to die was the only way take it stop. I shouldn’t be alive

I’m 48 years old now and that same battle had come back. I was put on disability at the age of 30. I never applied for it. My Dr’s told me they did because I would never be able to hold down a job.

My dad us a successful business man. My sister is the chief assistant district attorney of a county in my state, her husband is a sheriff. They won’t help me and it doesn’t make sense. My own child, the person GOD GAVE ME TO SAVE MY LIFE, won’t speak to me. I have never been given the 1st reason why. I have 2 grandchildren that I don’t know. They all get together on holidays and leave me at home alone starving while they are celebrating Christmas together. They can’t even see how this is being disobedient to GOD. None of this makes sense. No one will give me a reason so I can’t even try to make things better. But I have not done anything to them.

I decided to go through ect treatments in 2021 to try to get well. My car was stolen and I found out who did it. If the piece would have done their job I would have gotten back but people don’t take me seriously because I am emotionally unstable.  I’m not dumb. I know have gifts from GOD and I am a very sensituve and empathetic person. I love. I’m so close to GOD now.

I have been traumatized and my Dr can back my story up as well as the people in the community that I have begged to help me get my son back. I honestly can’t understand anything about this. I have sent them.letters begging them to just tell me how to live? I am losing this battle fast..I am on a very low fixed income. I have been stranded and abandoned and I feel great fear. GOD equipped me with a family to get through this battle but they turned on me 4 years ago. I don’t have enough m8ney to survive. I have every benefit I can think of.

I had to go off all my medicine to try to please my dad. I’m crying so hard right now I can’t even read this. I have reached out in every way I can for help. I was talking to always reach out for help before you thought of anything else. I can’t think of anything else. I have made myself feel like a loser a pathetic person for having to beg for money. I can’t get to my doctor. My doctor is an hour away I can’t find anyone to take me I’m tired of trying to beg people and I’m tired of feeling like I’m a bothering a burden. I can’t believe my family is done this to me knowing how sick I am and how I have been so sick all of my life. But they have me blocked they won’t reply to me I think they’re embarrassed of me I think they’re embarrassed of the things that I remember from when I was young I think they’re embarrassed that people will find out how they’ve treated me so it’s easier for them to just forget about me. I’m going to die I know I’m going to die and I don’t want to die I love my son so much I never want him to question why I didn’t love him enough to stay here and that is not even the case my son has abandoned me and he saved my life. I am in so much pain and I’m so desperate and I’m so afraid I have never been so terrified in my entire life. I’m months behind on my rent. I have temporary help with my utilities right now. I know that I could consolidate my finances somehow and have easier payments but I don’t know how to do that. I don’t even know how to make it through the day. I wake up in tears everyday and I’m telling the truth I say this before God and God is the only thing that I have is the only thing that has not left me he has been beside me and he’s the reason I’m alive. I got an emotional support dog in March I didn’t know he was going to be an 80 lb lab but he has saved my life and he has skin allergies and food allergies and I can’t even afford to feed him anymore so I use my food stamps to feed him because he’s my responsibility. There’s nothing that I’m lying about and I would not try to take advantage of anybody I would not even do this if I were not absolutely completely desperate and I don’t know how I’m going to survive. The depression in the anxiety are the worst they are so cruel I wouldn’t wish it on satan. The pain that I feel is real it’s worse than torture in the third world country is what it feels like but nobody can see it therefore nobody can treat it therefore there’s no way to get rid of it and to remain alive without my family without a support system. If anyone can help me it would mean more to me than anything in this world I want to see my grandchildren I’m wanting to know my grandchildren I know they need me God would not have given them to me if he didn’t want me to have them and I know they need me. I am going through the Battle of my life and I have humbled myself and realized that everyone needs help sometimes and there’s no way I can get by without help. I’m willing to do anything I have to do to back up my truth. I am a good person and I have such a great empathy I feel like I have the gift of discernment I don’t know but I’m not crazy but I made you feel like I don’t matter that I don’t have a purpose that I’m just a burden. I don’t have a friend I don’t have anybody but my dog. If anyone can help me God bless you so much I don’t know how I would ever repay you but I will spend my life trying. Thank you so much.

 

The screen shot is of one of the emails I sent my family months ago. I have never gotten a reply or heard a word from them. I don’t have a mother anymore.  I am not a bad person. I have really nit done anything wrong  no one understands me.

When my iwn family wont even acknowledge me, i dont know what else to do to seek help. Please pray for me.

Thank you again.

Sigh.

How did it come to this?

I’m stuck. I’m broke. I’m overwhelmed.

Just like Rome, my financial MISHAPS, MISSTEPS, & MISTAKES did not happen in a day. With the benefit of 20/20 hindsight, it IS clear that my actions and inactions created this most unpleasant and unfortunate situation.

They say there is nothing shameful about asking for financial aid. Yet, I can’t help but feel shame and embarrassment in doing so. HUMILIATION. CYBER BEGGING.

I am not here with paltry needs. I am in dire straits and facing genuine struggle. Lack of efficient financial planning and poor financial decisions have caused me to fall into a cycle of escalating debt. My Credit Karma scores sit at 501 TransUnion and 504 Equifax. NEEDS WORK. Once upon a time, I could boaster a score in the mid 700s. GOOD.

As desperate as I am, I can’t help but speculate on the legitimacy of this website. Is this site authentic? Credible? Ethical? Legal? Fake? Well, here goes nothing. This is my request.

Below are my two (2) most pressing debts:

My TitleMax Title Loan. I know, S.T.U.P.I.D. VERY S.T.U.P.I.D. I took this loan out on 9/2021 thinking it would be easily repayable. It seemed like an affordable solution to a ‘perceived’ need that I had at the time. However, I haven’t been able to make any progress paying it down, let alone pay it off. Consequently, I’m renewing and rolling over the loan every month. My loan term is 30 days. The finance charge cost me $804.64. And the APR is 169.29%. As of this posting, my pay-off amount is $6,068.22. As you can imagine, I have had countless sleepless nights worrying about repossession.

Sunbit (a buy now, pay later technology of local service providers and retailers). Unfortunately, my Smart Fortwo maintenance expenses do not come cheap. As of this posting, I am already in the hole $4,338.00 from previous maintenance services performed. My car is now due its 70,000-mile service and aside from any other advised service recommendations, it also will be needing new tires and brake pads.

 

A little about me:

I currently earn my income as a gig driver. As you can see, my vehicle is an integral part of my mode of operation. I realize that solely gig driving is not a sustainable way to maintain a living. Moreover, inclement weather more than often precludes me from the likelihood of making money. But, be that as it may, it is what it is until I can increase my earning capacity.

Assistance to the above debts would be immensely appreciated as it will remove much-weighted pressure and allow me to focus on overcoming the underlying cause of my debt problem… CASH FLOW.

Kindly thank you for your time and consideration.

BROKE(N)

 

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