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.