This year has been an extremely hard year getting hit again and again with bills that I don’t normally have and I can’t get ahead and my house is now in foreclosure. I took out several predatory lending loans with outrageous pay back amounts just to stay afloat to now, but I have hit the brick wall with only $15 in my account and over $50,000 in debt to pay.
I work on base plus commissions, with 80% of my income coming from my commissions, but I only get paid commissions once a quarter. So to stay ahead of everything I have to have three months of money in the bank to make it from commission check to commission check.
In January I helped my 78 year old mother who had to retire due to two major eye surgeries and lives with me with $33,000 in medical bills and completely wiped out my savings. My commissions in April and July were short by thousands of dollars because of projects shifting out. I have approached my employer about getting paid commissions monthly, being transparent about my situation, but they will not change it. So I will not have any commissions now until January and my weekly pay falls short of covering everything by $15,000 a month.
I also just spent $4,500 getting a timing chain replaced in my vehicle and only had the car back 30 days when a valve spring broke, dropped a value into the cylinder and punched a hole in the engine. So now I need an entire engine replaced. The shop that did the work will not take responsibility and wanted to charge me $8,000 for a new engine. My son can put in the engine for me, but used engines are running around $3,000 that I also do not have.
I just cannot catch a break to get ahead of this. I can’t get approved for a normal terms loan to consolidate everything, and just looking for that miracle to be able to get all of this paid and behind me.
My Cash App is $LisaKoebel