Hello, my name is Ty and I thank you for taking the time to look into my story. I’m 27 years old and I live with my fiance and our two cats. While that all seems nice and cozy it is in fact quite the opposite at this time.
Going back many years ago I was diagnosed with ADHD which already sucks to have as a kid. I never wanted to let it define me so I would refuse help and try to do everything on my own, which would normally not work and I would need the help of another anyways. Its been hell ever since and it has unfortunately followed me to adulthood.
I never really got along with my parents, I was the youngest of two and the furthest thing from the “star child”. It kind of messed with me growing up so I have a lot of resentment towards my parents for it. They never really took my ADHD seriously and considered me just kind of stupid which really messed with my self image a lot. So through the years growing up, I didn’t really do much because I was always the disappointment so whats the use of trying to do anything. I had phone plans that I ended up not being able to pay for so I tried to run away from those problems which piled up collection debts.
I made some stupid choices that started my debt downfall, including financing a car while I could barely afford anything to begin with. I was easily manipulated with past relationships, which tanked my bank and my credit. About six years ago I met the love of my life and we have now be dating for 4 years. I owe my current success and “growing up” to her. She pushed me to think of myself in a different light and helped me work up the courage to go to school, which I did.
Back in 2018-19 I took a Construction Electricians course at our local trades school and I passed with decent grades and had a job lined up. Then COVID hit and threw it all in the trash. I was let go from my job due to cuts, and no companies around me were hiring apprentices. I worked several jobs from then to now and still haven’t gone back. Many of the jobs not being the right fit for me anyways.
While COVID was starting to sweep the world, my fiance and I moved into a little basement suite with our cats and everything was nice for a bit. Then we were both cut from our jobs and we instantly became very tight on funds. We sold many things, tried our best to find decent jobs or any work for that matter to no avail. We took out some loans and applied for a few credit cards just to keep us afloat until we could get back on our feet which we eventually did, but not without amassing some debts because of it. Then my car broke down, shooting a rod right through my engine so a complete write-off. Because my work at the time was making me a decent buck I (stupidly) financed another vehicle.
I started applying to payday loans to pay for rent/food/other debts, then applying for personal loans to help pay for those payday loans. She then got a job back in her field and I was let go from mine. I managed to get a part time job in sales but now I feel stuck just barely being able to afford to live. I feel like I’m in an endless loop of debt on top of debt and I’m sinking and can’t get out. I stressed so much I decided to try to see if I could sell pictures and things of myself to help, because at this point I’m willing to do anything to clear what we owe and just be fine. But of course, things couldn’t go that way and I was offered some money to which I accepted and immediately got scammed out of $750. They had sent a cheque to me which was fake and I still don’t know why I’m so stupid for believe it was real. I deposited the cheque, the bank took the money away and locked my account due to potential fraud and we are so scared about whats happening.
At this moment we have:
$7000 in credit card debt
$1000 in payday loan debts
$4000 in personal loan debt
$3000 in car insurance debt
Honestly I don’t expect anyone to donate, and you shouldn’t feel obligated to help. We are just looking to get anything even if it’s not a lot, just enough to get by would be more than enough. Thank you so much for reading this mess