Thank you in advance for reading my plea for donations.
I may not be the most deserving as I am aware that others have it worse than I; however, I AM in a bind financially and that’s what this site is for, right?! Mind you, it is 100% my fault. I have retained an attorney to help me file for bankruptcy due to my extensive credit card debt. The actual amount of debt is somewhere around $40k but I would to remiss to ask for such a large amount of money, so I am only trying to raise $3,000 to pay the attorney to file.
This entire process has been so difficult for me because for years, I was so meticulous with my finances and paying bills on time. I feel like I’ve failed myself and also the credit card companies who trusted me with credit. Not only have I let myself down, I’ve let them down as well.
The stress this has caused along with an unfulfilling job, an unsatisfactory home life and 2 kids, one with mental illness is seriously starting to affect my health. I have been getting anxiety attacks on and off for the past few months now.
By all accounts, I have a decent job. I have been with my company for almost 16 years now but it’s a meaningless, unfulfilling job and the commute is hell. I would love to have a job that I enjoy going to daily instead of it being a chore. I am not afraid of working hard and have an amazing work ethic handed down to me from my adoptive parents. I’m 9 loans into my 401k (maxed out) which, even though I am paying myself back, my paychecks have shrunk considerably and I am not able to sustain the influx of bills and high minimum payments on my credit cards. I can’t quit my job either because I pay for health and dental insurance for my kids and myself. I’m stuck.
My parents are both in their 70’s and retired, so I cannot ask them to bail me out. I don’t see them often and on the outside, everything appears ok.
My end goal is to get the BK started ASAP so my creditors will stop hounding me and then start trying to save for a better future for my kids and myself along with a new car since my 2006 isn’t going to last much longer considering the existing mechanical and cosmetic damage.
I am married but in a volatile relationship with my husband. We are polar opposites and I don’t feel like this is a healthy environment for my kids or myself.
I realize this sounds like a lot of ‘first world problems’, and it probably is, but with all of the combined stressors, it makes me just want to end it all. If im not here, I can’t be miserable and stressed every.single.day. I just don’t see light at the end of the tunnel. I have hit rock bottom.
I am overdue for dental work, vision care and probably need therapy but I just can’t afford it.
About me: I am in my late 40’s and I live in southern California. I have lived here for more than half my life now, originally hailing from The east coast. Besides my 2 wonderful children, I have 4 rescue dogs and 2 chickens. I have fostered about 20 dogs in the past and have foster failed twice. We also have a ball python (also a rescue) and my daughter has a kitten. I love animals so much and my dream is to work with them some day in any capacity. Disneyland is my happy place. When it gets to be too much, I go there but due to finances, I haven’t been in a while.
Thank you for reading and for your consideration.
Donations may be sent to paypal.me/becksjp.