Hello, let me tell you a little bit about myself. I am a 50 year old female. I have worked in the medical field for 18 years and up until early 2000 I was financially stable. I pretty much wanted for nothing. By no means was I well off but a was a little more than payday to pay day getting by. That is until I met who I thought was a nice young man. As time went on, before I realized what he was doing it was to late. Which was using me for money, for driving my car while I was at work, for a place to stay etc. My car which was in perfect condition prior to said young man was wrecked by him in May 2020. He hit a deer or so he says. At that time, there was no insurance on the car but he car was still able to be driven so I thought eventually I’d just get it fixed. However, I lost my job on October 20, 2020 just about the same time things started going wrong with the car. It would run hot at idle so we had to keep water on hand at all times. Apparently it developed an electrical issue (unknown) because some of the components would sometimes work, sometimes not. Next, the alternator began to fail. Twice I gave him the money to get a replacement. Twice he let me down and by now the car wasn’t able to be driven. I was stuck at home and we would travel on foot to do odd job or catch a ride when he could. We discovered that we could jump it to drive to the store when needed. This of course wore out the battery which wore out the starter. One week before Thanksgiving my beautiful car is officially a wrecked and broken down financial burden and I’m 3.5 hours away from my family in my hometown. I became a depressed recluse all throughout the holidays. I literally did not leave my home for months. With no income I had to turn to government assistance just to eat. Fell behind on all bills. My rent is currently 2500 past due. I’m sure the only reason I’ve not been evicted id because of Covid. My light/power has not yet been turned off due to the generosity of the local Catholic Church and what money I’ve managed to get from selling almost everything I own. I have hitched rides to the plasma donation center to pay a little on the bills to let creditors know I am trying. Speaking of Credit. I was at 737 and climbing when all of this monstrosity started. I am currently 468. Through stimulus, I’ve been able to get the battery, alternator and starter purchased and put on…only to find out that after sitting for almost 6 months has a blown motor. It was a just a tap, now it’s a crazy loud knock. It’s not able to be driven at all. The car isn’t even paid off. I have asked to volunteer to surrender it…the credit union would even repo it because it’s in such poor condition. Says (obviously) they cant get their money back out of it through resale. So I’m stuck with a car that I can’t drive, can’t turn in and can’t sell (because I don’t have the tittle). I don’t know where to go from here. I need to get out of this funk, get a job, but can’t because I no way to get there, can’t get a car because I have no job….the cycle just keeps repeating. I find it hard to to ask for help, to prideful…but here I am with not other option.
My current debt: 2500 back rent, 450 power bill, 4700 vehicle debt plus a 100 a month bed payment that is a few months behind as well. Is there anyone who can help? This has been such a hard lesson but I’ve been punished enough.
Thanks for your consideration.
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