My name is Heather, and I am 22 years old. I am currently struggling with my situation in life at the moment. I just recently got a car, a 2017 Hyundai sedan, and I am making payments on it. I owe 15,000 dollars. I have a car payment due on April 8th, which is $260. On March 20th, my car insurance is due, which is $350. On April 5th, and 6th, I have the electric bill, which is $194, and the cell phone bill, which is $150. Because of the current coronavirus fiasco happening, i’ve been on quarantine from my job for about three weeks this Sunday. I only have about $20 in my bank account. I’ve never done this before, but honestly, I really need help.
Emergency Rental, Food, and Bills Assistance Programs
How to get help with rent?
At times, many families find themselves homeless, or unable to continue to occupy the premises of their choice. This may be due to fire, accident, storms or many other causes, but often it is merely a problem in paying the rent. Illness that forces a breadwinner to stay home, or loss of a job; any and all of these conditions can put a family in need of temporary assistance to tide itself over until the members of the family find themselves again in a position to pay their own rent without the need of subsidising or other rental assistance.
Agencies have been set up in many parts of the country to help in this regard. Non-profit organizations, these charities, such as The Salvation Army, as well as some governmental agencies are often able to offer emergency rental assistance for families who are being evicted by a landlord, or who simply have no way to pay their rent at the moment. Realizing that landlords, despite the old cartoon imagery of a rich greedy person feeding off the work of renters, the vast majority of landlords are not really making a profit at all on the current tenant. This is only a stopgap so that the landlord may pay the monthly house payments in the hope of some future profit if housing increases in value some years later. If the tenant can’t pay the rent, the landlord may soon find himself in the same position with regard to the lender. Lenders do not want to hear sad stories.
Although these different programs for rental assistance may be available, much depends upon the funding at the moment. Some programs quickly run out of money and are simply unable at the moment to provide further help to persons in need of assistance.
The vast majority of families in need of temporary rental assistance are those to be found in the low-income range; seniors, disable persons and children are among those most often affected. Others too, faced at one point or another with a temporary emergency may qualify for assistance in these cases.
In most cases, those in need of longer-term assistance, persons who have not been gainfully employed for a considerable length of time with not prospects for the immediate future may not qualify for rental assistance under these temporary emergency programs.
Those more likely to receive aid are persons who are able to convince interviewers of their willingness to do what is necessary to get back on their feet along with the ability to do so. Since emergency funding is considered a short-term “fix” for a crisis situation, the grants may be only issued for a few days, perhaps to defray the cost of a motel room, pending the applicant’s ability to find other lodgings.
Therefore it is important, in most similar cases, for the applicant to show the interviewer the imminent possibility to become self-sufficient.
Most non-profit agencies as well as other agencies attempt to work closely with rental assistance applicants to help them with any additional support as needed depending upon each applicant’s situation. Often applicants are further given counseling and referrals to other agencies that may be more helpful to an applicant.
In such cases, any additional services rendered are free to the applicant in crisis. This may include lack of employment and such other problems that may arise such as medical emergencies. Most agencies participate in these endeavors as well as teaching applicants the processes involved in applying for governmental programs, immediate rehousing and how to apply for Section 8 vouchers as well as information about low income housing, and assistance in paying the security deposits that are almost universally demanded by today’s rental market.
Since the goal of all similar agencies to to render aid to persons in immediate need of emergency housing and other crisis situations, the funds issued to applicants for rent or other necessities is only meant to allow the applicant extra time to deal with the emergency. However, at the same time, applicants will normally be provided with support in the long term to guard against similar future emergencies.
If you have an eviction notice or expect to be unable to pay the rent in the immediate future, or even realize that you need to find less expensive living quarters, now is the time to apply for assistance. Often with early application, money may be available to catch up unpaid rent as well as other options that may be explained to you.
Assistance may also be available to help with the security deposit, the initial rents and even moving costs. In some cities non-profit agencies may offer other emergency assistance to those in crisis. These funds are normally paid out on a one-time basis. Depending upon the location, resources that may be in place for housing crisis families can be wide-ranging.
Potential applicants are advised to find the telephone numbers as well as any other information available to them and educate themselves about the different programs that may be able to help with emergency assistance.
Not only non-profit private agencies, but many governmental agencies, are able to provide interim assistance, depending on the locality. Massachusetts has a program called RAFT, while in Texas a rental assistance program called TDHCA is available. Florida has a similar program called EFAHP and in Connecticut their program is called RAP. Many other government programs around the country also offer assistance to pay rent or a portion of overdue rent in their ongoing efforts to reduce the growing threat of homelessness in their particular communities.
Another program, called the Federal Stimulus Program is a little-known program through which our federal government provides billions of dollars across the nation to provide rental assistance for qualified applicants. These funds have become invaluable to families that find it increasingly difficult to keep up with the rising costs of rent and other housing needs.
HUD the Housing and Urban Development, agency works throughout the country as well. A number of families approaching two million are able to use this program, a program that can not only help those in need to pay their rent and/or security deposits, but HUD can issue vouchers to provide temporary housing as well as providing assistance to senior citizens and the disabled to keep up with overdue rental payments.
These programs not only offer grants to help pay rent, but the government Rent Voucher Program aids applicants to seek housing in the privately owned housing market.
These agencies can, generally, offer legal advice to those facing eviction. Every year millions of people receive free legal advice and assistance to educate them with the eviction process and their rights as well as responsibilities. The government provides funded Legal Services Corp. which provides attorneys who may mediate a solution between landlord and tenants in addition to advising tenants of their rights as well as help them apply for Section 8 or other assistance and another positive aid they offer is help and counseling on housing discrimination.
Counseling may also be provided to help applicants apply for government and/or private grants. Money is available for many of these crisis situations.
It is the goal of these agencies to prevent evictions wherever possible. The federal government as well as the many non-profit private agencies strive wherever possible to help applicants remain in their current quarters without the fear of being summarily evicted. Often these agencies are able not only to prevent evictions, but subsequent lawsuits that may be brought against a tenant. Alternatively, the agency may be able to find more suitable and affordable housing for an applicant facing eviction.
Many churches too offer funds that can help those in short-term financial difficulties. United Way and The Salvation Army are only two of the better-known charitable institutions that may be able to offer help when needed. Generally they give priority to those living in apartments and facing short-term financial crises.
A good number of other national and local charities are ready to help with the expenses of rent and other essential needs as well as providing case management and many other social services. No all charities have ready money all the time, but even those may be able to help by helping an applicant with information about other resources and assistance in applying for free grants to pay overdue rent.
Other agencies that often provide help might be, for example, Catholic Charities, Social Service Offices, United Way, the American Red Cross, the Legal Aid Society and as mentioned earlier, The Salvation Army. Aside from these examples there exist many other emergency aid agencies for those who are able to become informed.
While most of these programs provide only short-term emergency aid, they are designed for the most part to tide a family over until a longer-term solution becomes available. Often these same agencies will be able to direct qualified applicants to resources that may assist them in finding an apartment or house for more permanent security.
It is important however, during these times of crisis, to keep in touch with creditors and the applicant’s current landlord so they understand what you are doing and what you expect to accomplishment. It is important that the applicant be extremely honest with everyone about the situation and it may sometimes be possible to have monthly payments temporarily lowered, or even be allowed to skip a monthly rental payment. Other plans may be devised and put into place to avoid being evicted.
It is well-understood that not only landlords but other creditors too are much more willing to cooperate with persons who are up-front with them, honest in their discussions and show a willingness to cooperate and do whatever they can to improve with situations.
How to get help with bills?
Ask The Energy Company
if energy bills are the source of the hardship, then the energy providers’ own in-house programs are often the quickest way to help rearrange and meet repayments.
LIHEAP: Low Income Home Energy Assistance Program
This national program’s focus is on subsidies for repairs, weatherproofing and utility bills that families cannot afford to pay.
LIHEAP covers any energy related home repairs for low-icome families, including seasonal expenses like air cooling systems and winter heating bills. The local LIHEAP office is the first point of contact for those in need of energy or utility assistance. Eligibility varies from state to state.
WAP: Weatherization Assistance Program
The WAP is a federal grant organized by the Department of Energy that helps needy families improve their homes’ energy efficiency, and has assisted over 7 million households across many states, territories and Native American tribes since its inception in 1976.
According to the DOE guidelines, a household with anyone over 60 is eligible for the WAP, as are legally recognized disabled people. Most states make families with children eligible, and the website for the WAPTAC (Weatherization Assistance Program Technical Assistance Center) can advise others if the grants are available in their area, and whether they qualify.
LifeLine Assistance: Free Cell Phones
Americans in need of a cell phone plan but without the means to maintain one can get assistance from LifeLine Assistance‘s free phone program. This is indeed a lifeline as daily life and business in particular is practically impossible without a mobile phone.
LLA is an FCC mandated scheme offering a free cell phone with at least 250 monthly minutes included. It’s available in the 49 states, Washington DC and Puerto Rico, and typically requires a household income below 135% of Federal Poverty guidelines. For some states it is below 150%. Eligibility varies across participating states, with slightly different rules around qualifying income.
Other sources of help are available at state government level, or many national and local non-profit and charity organizations, and the energy companies themselves.
How to get Food For Free?
It doesn’t always require money to eat, and there are many ways to gain free food without adding to your debts or joining the 10% of Americans who have resorted to shoplifting. Ask people you know, or traders and restaurant and store owners.
Above all it’s important to explain why you are asking for food: because you can’t afford to eat. And not to be critical about what food you eat. Without a certain amount of money, there is no longer the choice of what to eat. So meat may become harder to get or if meat’s all that’s on offer and you are a vegetarian, it’s best to accept it with thanks.
Grow Your Own, Share With The Community
The most sustainable – and satisfying – way to provide free food for yourself is to grow it, and you can start with just seeds if you live in the country or with just a small space in the city. Guerrilla gardening is an interesting urban option, more organised community gardens and allotments can share space and expertise for growing, and seed swapping communities among gardeners are a good source of materials and encouragement.
Ask A Farmer
Out in the sticks there won’t be the option of stores and restaurants as a source of food, but ask any farmer and there’ll be some left on the fields that they didn’t or can’t sell. Many will let you pick these leftovers.
A rapidly growing movement in the United Kingdom and US is the organized and charitable distribution of food to those who can’t afford it. Most of the food is donated, and food banks are one of the easiest ways to obtain some nutritious food. Many banks have conditions for who they can give food to, but there is no need to be ashamed about visiting one.
Links to Food Banks in various countries
Offers and coupons
Online and direct from the stores, many coupons are available to promote new products. And companies across the United States send out free samples of new products. They’re unlikely to provide a healthy, balanced diet on their own but could supplement free food from other sources.
In an affluent country there is an abundance of unsold or waste food, and a little social interaction and resourcefulness can unlock access to a surprising amount of it.
Ask at the market
Often around closing time, stall holders will sell off any remaining stock for next to nothing, and it’s always worth telling them you have no money and asking if they’ll give you something for free. You can often pick up some fruit or salad, and if they can’t offer anything, thank them anyway and ask at another stall.
Free Supermarket Food
Ask at the big stores and you’ll be too far down the chain of command: “My boss doesn’t allow us to do that” will be the usual answer. So smaller supermarkets and neighborhood stores are a better option, where you can talk to that boss. You may find warmth and generosity among Muslims and immigrants to the West who run stores.
It requires some patience, a little nerve and a bit of practice, but it’s possible to get free, professionally prepared food, even a table to sit and eat it at. Restaurant districts in cities are obviously the best place to try this, and expect a success rate around 5%, so it requires persistence, but will sharpen your bargaining skills, and who knows where else that could lead?
Turn up at a restaurant after the busiest time but not too late, and explain that you have no money and ask if they have some left overs in the kitchen. It can help to have a container such as a plastic box ready in case they do have something, and if they’re friendly and can’t offer anything the first time, maybe they can put something aside the next day.
Searching and Foraging
It grows on trees, on the ground and some seasons there’ll be abundant fruit and tasty plants such as dandelions or chickweed. Even cities can produce some tasty wild food, and anyone near downtown Seattle has access to America’s first Food Forest in a major city.
Growing media coverage of the colossal food wastage at supermarkets and restaurants has made it much less weird, and more popular, to search through the dumpsters in search of some quality food to turn into a meal.
Unfortunate Tire Blow out occurred while we were driving to Deland to deliver the truck to someone who was buying it from us. After trying to sell it for 2 months. We were expecting&depending on the sale of this truck to solve a few financial responsibilities not cause more… My boyfriend was in the truck by himself with me following behind. When the rear tire blew it looked like he was going to be able to maintain control of the vehicle at first then suddenly the truck pulled to the right going off the road, causing it to flip over twice down into a ditch. I immediately pulled over along with many other drivers wanting to help and make sure he was ok! Thankfully he came up out of the window and was able to jump from the truck himself and get a safe distance away from the gas leaking truck. He has many deep cuts on his arms and bruised all over his body, making it impossible for him to work for a little while. Since the accident happened on a highway many different agencies came to assess him and the situation. Thankfully no one else was involved so our local sheriff’s office left it up to us to decide if we wanted them to call for a tow truck for us or if we wanted to do it. They advised us if we called ourselves the tow company has no required time frame and with it being bike week it could be a few hours before they made it out there to us. Since we needed to get my boyfriend home and start to take care of his injuries as soon as possible we let them call. The tow company arrived within 30 minutes and advised us to call them tomorrow. With the sale of the vehicle not a possibility anymore and it being completely wrecked we weren’t even sure we wanted the vehicle anymore… however the next day we found out that’s not an option. Because the tow company was called by the sheriff’s office we’re not allowed to abandon it. The cost to get the vehicle out is currently at $455.00 and goes up by $25 every day. They put a lien on his license if the bill goes unpaid. We were counting on the sale of this vehicle to take care of a few other important financial obligations also. He’s a really great guy who doesn’t deserve to be in this situation. It’s amazing how some things can take a completely different direction… $1500 is what we were about to receive for the sale of the truck but any financial help at all would be greatly appreciated.
Please Send Any Donations to PayPal.me/rolloversupport
Hello, wonderful people of the internet!
Before I explain my situation I’d like to tell you a bit about my life from the beginning till now.
I’m a regular guy who was dealt a bad hand in life, just like many others before me. I spent the first 12 years of my life in a rough part of the Philippines with my brothers after my dad abandoned us there. Being the only white guy around I stuck out like a sore thumb, so this resulted in bullying by both kids and adults alike. It is one thing to be a bully in school, but to be grown man yelling racial slurs at a 7-year-old belongs in a league of its own. That was my daily life for 12 years. I couldn’t take a step outside of my house without someone yelling childish things at me. During my time there I also became accustomed to going weeks without power or running water, the usual 3rd world country stuff. We had everything from tropical storms that would lay waste to the land, down to gangs and wild animals that wanted to end your existence. So it’s safe to say I lived in fear my entire time there.
Fortunately, at the age of 13 we were finally able to come back home to Canada. But as fate would have it, we were kidnapped by the same guy who left us to fend for our selves for over a decade, my father. If you’re wondering how that happened, he basically just snatched us from the airport and packed us into his beat-up little car. A full year later after physical abuse and being exposed to his lifestyle the authorities found me and my brothers up in northern Canada which is about 20 hours from where we were suppose to be. The authorities took us back down to what became our ”home” where I spent the next 9 years being raised around ”degenerates” for the lack of a better word. To be more specific I lived in a crack shack with petty criminals and prostitutes coming and going. During those 9 years, I dropped out of high school and eventually moved to Alberta Canada to work the oil rigs to try and escape my life.
Needless to say, this all left my pretty messed up. I hate to play the victim card but it is what it is. I’ve struggled with hyper depressive disorder and crippling anxiety my entire life. Regular tasks have become a chore for me and for the most part I’ve shied away from the world.
I still work, but life isn’t easy. My balance is negative, my teeth are rotting and my mental health is deteriorating. I can barely afford to eat like a proper human being these days, let alone manage everything else. The cost of living when you’re an untrained adult is pretty bad. No real job opportunities. Even if I wanted to go back to school (which I do) it would be impossible since I’m drowning in a pool of bills and barely staying afloat. The only thing near and dear to me is my dog but I’m going to have to put her up for adoption seeing as how I can’t even take care of myself anymore.
I don’t know if anyone browses this site, or if anyone will read this. But my donation link is below.
I’ll leave this here for anyone that reads my story and wants to help out. Even a little goes a long way.
Me and my family have been through more things than we can count. My fiance and I both grew up in the never ending cycle of poverty, watching as our parents scraped by and as a mother of a two year old I find out in the same position. My child’s spiteful father taking me back to court, concocting lies that made my child lose her health insurance and the food stamps we so desperately needed for nearly two months. During that time I was still caring for her four days out of the week, even though a court order stated that I wasn’t even supposed to have her in my care (due to the lies my child’s dad had spread). Two months of paying for food and medical expenses out of pocket meant that we couldn’t afford the low income apartment we were living in.
We had to leave in November. Yet the entire time there remained one man in my life who worked day in and day out to provide for me and my daughter, and that man was my fiance Chris. We were a long distance, online relationship that blossomed into what I can say is the most secure, loving, and mature relationships I as a 24 year old have ever been in.
But there’s one other person we haven’t mentioned, who also affected our lives greatly. My fiances ex-wife. After she mentally, emotionally, and physically broke him down for over ten years of marriage, paying her way for everything she could ever want or need, dealing with her pill addiction and neglect of their son, he had the courage to leave, intending on returning for his son once he had the money saved for a divorce. Over time she tricked him into believing they could work things through.
Everything was amicable between them, until she found out he was with someone else (at this time she was already with the man she had an affair with). Once she did, there was nothing stopping her from running to the police station, taking out a false protection order claiming my fiance had harmed her, their child, and even killed a dog of theirs (this dog is proven to still be living. In her care.).
Months went by with us hearing through the grape vine of his son being brainwashed, told his father didn’t love him, that he had abandoned him, and that’s why he never called. But in reality if my fiance had tried to contact his son, he would have been locked up. Over the months she stole his taxes, committed fraud through food stamps by using his name, and collected $60,000 through the New York Times which she squandered on season passes for all members of her family to Disney World.
Now I can finally get to the part, where I ask for the help of strangers on a website..
His ex-wife petitioned for a dissociation of marriage, asking for my fiance’s rights to be terminated, that he be required to pay child support, as well as $250 a week in spousal support. She did this during a time when me and my fiance are struggling to get our footing back, and now we have to travel down to Florida within 20 days. Or he will lose rights of his son. Forever.
I suppose I should also say that she is pregnant by the man whom she had the affair with. Asking my fiance to pay the way so that she and her current fiance can live a cushioned lifestyle without any work put in.
My fiance and I have no vehicle, we have no home, we have one income, we’re staying with my parents who live paycheck to paycheck with a two year old that has health issues of her own, and a difficult father that I struggle to coparent with.
We need a way to Orlando, Florida. Every ticket I’ve looked at is $145 and rising. We can’t afford this trip, not when we have bills of our own to pay, a savings we’re trying to put together to get an apartment, and a toddler to care for. So we need help. If anyone..please can help..we would be most grateful.
Hi I’m 20 years old my name is Vanessa! I’m a graphic designer and a traditional artist! I have a problem I have an over draft fee in my the bank account of $41.40. I have no money to eat which is fine I can wait till I get home but this overdraft fee will only increase if I don’t pay it today. Please help me, I really don’t want to fall behind in another part of my life. I am willing to offer something for this money, I can make you a small painting or a digital piece of artwork!
I go to school in the city and I’m there for a long time I find it hard to make meals for myself and take them to school. So most of my money goes to food. I also have some subscriptions that I have to pay for my career like the adobe creative cloud suite. I recently had to make a big purchase to send out one of my paintings to my brother who is stationed in Washington state. It was almost $60 to send it :/. I don’t spend money on stupid things I try to make it last as much as possible. This art show was very important to me that’s why I sent the painting to my brother, I really want to be a known artist so it was a risk I wanted to take. I did the math wrong and didn’t realize I would go a few cents into the negative on my account. But now I have the overdraft fee because of it.
I don’t like asking for money and I’m disappointed in myself that I have come to do this. But I’m freaking out and I don’t want to owe money to the bank at such a young age. I am currently doing freelance work but I’ve only started this year. I have another job but I won’t get paid until Friday so the fee will only build up more by that time. I have a lot of potential and I’m always trying to improve as a person! But sometimes things get really hard and I just try my best to push through.
If you are willing to help you can give me your email address and we can talk about something I can provide in return. It will definitely take me a while depending what it is that I can do for you.
I usually have my clients pay half before I start the project and the other half once I finish. But because of the circumstances that I am in, I hope that you can pay me in full today. I usually charge at least $100 for any project I do and it’s more expensive depending the project. But if you help me pay my over draft fee today I can provide any of my artistic services just for your help!
I can make logos, brand identities, vectorized pictures (I can cartoon your picture), paint or draw, marketing strategies, a very basic website design and development, a short motion graphics animation, typography layout for a book or magazine, design any of your fliers or social media posts!
Please help me, and thank you so much, you have no idea how grateful I am!
Recent Death Lead Into Depression And Debt
Hey, my name is Philip, 21 years old living in Sweden and this is about a very close friend who recently committed suicide.
First of all, I want to thank you for taking your time to read about my problem. I am usually a happy person but because of the recent death, I locked myself in and avoided social life. I am getting slowly back to being myself but it will take time.
I have known this amazing close friend for almost 13 years now. She lives in Italy and she was a very kind person, but I soon learned that she was getting bullied for a condition she has. She stutters a lot, but that didn’t stop her from being very kind. About a week into the beginning of my new semester of high school in August 2019, she had reached out to me, asked for help and what I would do in her shoes. I honestly said ”do what you think is best” because I haven’t been a target of bullying from what I remember. I later learned from a classmate of hers that she hanged herself in her bedroom. That is the worst feeling ever. I learned that words coming from your mouth can’t be unsaid or changed. Words are powerful tools. I began to breakdown and locked myself in, I began blaming myself for her death and began to skip many lessons and when I showed up, many of my classmates and teachers noticed that something was wrong. They reached out to me but I declined their help. I didn’t want to start a new friendship and lose another friendship. I was afraid, I kept falling into a void and lost myself. I felt responsible for her death.
Around the end of November, I got called into the principal’s office, nobody knew where the happy Philip was. I learned because of my lack of attendance, I would get expelled. I will let you know, in Sweden (I don’t know if its in other countries also) you get paid for studying in high schools for adults and because I have taken the money income from the system without studying, I fell into a debt of 1500 dollars. I am lost of hope, too deep in a void and hopeless.
My bank account is just below 10 dollars. I visited a therapist that have talked to me and I feel little better, but not completely healed. My parents have helped paying for my rents up until now and I told them to stop because they are starting to have issues because of my problem. I got no source of income, currently selling my furniture and other values to be able to pay for my rent of 500 dollars and I am starting to lose stuff to sell that I don’t use.
I have talked to the system and made a plan of 125 dollars per month to pay off my debt, but as a mentioned I got no source of income and will soon be kicked out of my apartment due to not being able to pay for the rent. The city I live in has a very low job employment and I am planning to move to a more suited city in the near future. I usually don’t ask for help but I am really in a dark void and can’t help myself anymore. Please, any donation is very appreciated and I thank you for taking your time to read about my problem.
8 months ago I met this girl,Becca, I fell in love with this girl. She had some problems but love beats all. a month ago she changed stopped taking her medicine. She is a narcissistic liar and has absolutely ruined me mentally and emotionally. Before all this she convinced me into us moving a hour and a half away closer to her family. My kids live with there mother and they came to me every other week. Few days ago Becca gets up and goes on a vacation with another man and another couple. So i ended things. She comes back and of course like a idiot I believed her in saying it was just a friend and we continued. She then brings my best friend to OUR house while I am at work and sleeps with him. Used my favorite shirt to clean up with and for me to fine. This guy who I thought was my friend then attacks me at walmart that next day. Becca then packs her stuff and moves out. So I thought okay Im heart broken but I can move on and heal. That next morning a cop knocks on my door and she had put a protective order against me so I had 5 minutes to get out So I talk to the officer show him she moved out showed him our texts the marks on me from him and her hitting me but show him everything. He advises me to go to the court house and be seen by a judge because I told the cop im 2 hours away from where Im from. My truck is broke down. I was new to area and knew no one and had no where to go. I show the judge everything and he sets a court date and reverses the protective order and gives me a court ordered one to put on her. But becca and our landlord took me off the lease and now I have nothing. I paid the rent which was my whole paycheck of 700 dollars a few days prior and then she took all extra money on that trip. I just need help with a room for a night or 2 and getting my truck 2 new tires and a started so I can head back to my home town and be with my kids and restart my life. I hate asking for a hand out Ive always been a hard worker and independent but i dont know what to do. I have no family or real friends. Please im asking you to find it in your heart and just help me get out of this town and wake up from this nightmare
actual link paypal.me/nick3321
Firstly I just want to say thank you for reading about struggles. I find it very hard to admit when I need help but I am feeling quite low and desperate for a way out…
At the moment I am aged 22 and over the past 2 years my mum has been extremely ill. She has been going in and out of hospital due to heart failure and lung disease and I seriously thought she was going to die on multiple occasions.
While paying out to travel to and from the hospital and to look after myself, when my mum finally came home (this was short lived) I wanted to make sure she had a comfortable home with things to keep her occupied due to being house bound.
We also had a few issues with household appliances and I got these items on credit, I am now struggling to keep up with the payments as my income isn’t very high and I have been signed off of work for quite some time due to stress and depression and having to care for my mum.
Then at the start of this year she had open heart surgery and they discovered two lumps in her lungs, we are yet to take her to a scan to confirm what these are. But during the surgery they were able to remove a small part and have tested this and confirmed it was cancerous.
I have taken out a loan and a credit card to try and pay off this debt but I seem to have got further and further in a sinking hole and I’m not sure anyone can help, I have asked family for money but they have said they can’t help me, this is just causing me more stress and all I seem to do is snap at my mum and it’s really not her fault, I feel like I’ve let her down and disappointed her.
I am asking for your help today as I just need to take this weight of my shoulders so I can properly care for my mum, work through what comes next for her and also try to live my life again.
I am only getting paid about £90 a week and this is barely enough to cover food and bills but defiantly not the debt looming over my shoulders.
The debt totals to around £4000 and any help whatsoever will be greatly appreciated!!!
Thank you again for taking the time out of your day to read this and hopefully help me sort my life out once and for all, before it gets too bad to deal with.
Hello, Dear Helpers!
First of all – big thanks to all people who are helping and donating on this website. I would like so much to be one person, who can help in here, but despite that I have have reached this kind of point that I’m writing this letter here and asking help.
I don’t know if anybody ever sees this, but at least i can say i tried to ask for help.. :)
So, here’s my story. I am 28 years old woman from Europe. I’m working on two jobs (as journalist and as bartender)
To here i’m writing as for las call of help – i’m really really in trouble. And actually… I just don’t know what to do or where to go anywhere.
I’m coming from quite difficult and poor family, but I’ve always been hard working person, cause I’ve always taught that money doesn’t just fall to my hands. Despite that I’ve reached to this point in life (very very bad vicious circle of loans), where I don’t know how i can go further.
Despite quite good salary, my loans and yields have grown so-so big, that i wonder every month, if I can i pay all my monthly loan payments with my two paychecks or not. Every month I’m paying my loans (90% of salary) back and there’s nothing more for collect and look to the future. There’s no sun and laugh in my life anymore. I don’t go anywhere and buy anything new already 2 years. BUT – I’ve always paid everything on time, so i don’t have any debts, just this big big amount and sum of loans. And the whole amount is too big to get unsecured refinancing loan, aIso I don’t have any real estate.
It happened already about 5 years ago when I was working in law office as a secretary. Cause i needed to repair my teeth to be representative it made me take first loan, and from there it has gone like snowball that doesn’t stop and i can’t collect even one euro to get my own home (maybe never ever) or even less think about getting a child.
When I wasn’t in the circle, I was donating to homeless children helping group every month. If it’s possible to get out from this, one day, I would like to do good for homeless people and abused children. In my country and in Europe have so much people, who need extra hands to help, unfortunately, I just don’t have any possibilities to to that.
So my question is – is there any possibility that You can help one sad sad person from Europe to get through her financial problems and pay the loans? May-be one part of it, so I could take refinancial loan to cover the other half?
Thank You for Your time to read it and bigger thanks when You find possibility to help a little..
And down here is a table I fill in to keep everything in mind.
In a rainy morning last summer. I hydroplaned off the road and into the woods in Upstate, New York. I suffered from head and chest injuries because my airbags didn’t deploy.
i had to leave my job as a teacher for the DOE as I could no longer work full time
i am okay but I am still recovering
ive has to use credit cards to cover my basic living expenses, (rent, car payment and insurance)
my credit cards are approaching there limit, some have even lowered the credit limit
i need to raise $50000 to pay off my debt, to lower my monthly payments. This includes my graduate loans that I got in education
please send to:
unfortunately I recently lost my job just when my son was about to be born. du a debt of 20000.00 euros which takes me away 300 euros per month. and many other expenses .. I have another job now that only gives me 600 euros a month. I am trying to do everything possible but I have great difficulties to move forward. I can’t sleep and be peaceful with my son … he is only 6 months old… he feels everything. I just wish this could all end. I don’t think I ask much, I just want to work and be able to enjoy my son. the situation of the coronavirus in my country (italy) makes everything even more difficult. I hope you can give me a little smile above all for my son.
Due to the severity of my situation, I am unable to state my name in this post but am more than willing to do so in private message. I am and have been living in an abusive relationship for almost two years. I have called the police multiple times to seek help and was told that I am unable to seek shelter assistance for multiple reasons after spending hours with the police officers on the phone for a different place to live temporarily. The police officers did not seem to believe me or take me seriously due to my boyfriends role in the community, his career, and his charismatic personality. They did not believe he could be abusive. I recently just lost my job due to the amount of stress and abuse from him and have been looking for jobs since the day I was terminated. He has isolated me from both my friends and family in the beginning of our relationship and I have been without a social life for over two years. In my relationship, I was not allowed to speak to men at all, I had to answer whenever he called and not miss the call, tell him where I am going, when I will be back, who I am going with, I had to take pictures of where I went, I had to take pictures of who I was with, he would call me names, insult me, belittle me, put me down, he has a very quick temper, he was extremely jealous, is absolutely controlling, has unrealistic expectations, blames everyone for issues that he has (including at work after being fired from multiple career jobs and then blaming me and yelling at me for his loss of job, refusing to take responsibility for his own actions and words resulting in his termination) has an addiction to porn and expects me to do sexual things that hes interested in and gets mad when I do not agree to do so, has uncontrollable mood swings and outbursts, (one minute he is the sweetest person you have ever met and the next minute he is the devil from hell) he has a history of battering other women, (I didnt know this until I was isolated to only him and our home, having absolutely nowhere to go and no way to leave) cheated on me, he has made threats towards me, Blames me for the way he feels when he is depressed or mad, blames me when he has a bad day at work, verbally and emotionally abuses me daily, talks very poorly to his friends about me as he acts innocent in public but is monsterous behind closed doors, expects me not to talk to anyone or have friends, expects me to stay at home, I can only go out with him at this point or he gets upset and reminds me that he can have any woman he wants and that I am not good enough for him. I have been doing everything I can to save money for a vehicle to be able to work two jobs so I can eventually save more money to buy a house in Florida and start over fresh away from the abuse. Before I lost my job, I was able to pay off the debt I owed due to past bills from 8 years ago and my credit jumped up. Working is everything I love to do as it is the main source to my income and I truly like feeling independent and it gives me time to be away from him. Unfortunately we are only down to one car as mine was stolen and totaled and I was unable to get a new vehicle. I am forced to rely on him to get back and forth to work (before I lost my job) and it makes him treat me even worse due to it. I have dealt with severe depression, anxiety, PTSD and I have withdrawn from everyone and everything in the world. I am unable to make small talk with anyone in public in fear due to being isolated for so long. I want to start going back to therapy but am unable to do so due to a lack of vehicle. Having a vehicle would make everything much easier to do such as finding and maintaining a job, getting to appointments and reconnecting with the community. I am asking help from the community so that I may buy a brand new vehicle to be able to get back and forth from work so that I may not have to rely on just his vehicle. I am trying to save up enough to pay for a new vehicle upfront or at least a large portion for a down payment. I would even rather live out of the vehicle to insure the abuse stops. I am trying to buy a 2019 Toyota highlander Suv which is what we (he) has now. It is big enough to store things in as well as sleep in if need be. I know this is a long shot but I need help. This is so hard for me to drop to this level of humiliation. If I can get this car, I can work two jobs and establish housing for myself. Any funds provided to me would be going straight to this vehicle so I can make it back and forth to two jobs to save up money as fast as I can to move to Florida and get away from him. I have 200 dollars saved up for the car hidden away. It is not a lot but it is a start. I would have no problem sharing proof of my situation or proof that your funds being donated would be going directly to the vehicle so that I may live a better life. The vehicle down payment is 15,000 dollars….
My current situation is a big mess!. I had a stent put in after having a heart attack,They tell me I will need 2 more stents but the blockage in those areas has not become serious enough yet. I really hope they are not gonna wait until another heart attack or worse to do something about it. I have been diagnosed with sleep apnea, which I strongly suspect led to my heart attack, because I stop breathing while I’m asleep so my heart never really gets to completely rest. I’ve also been diagnosed with type 2 diabetes. I’m a veteran with a service connected disability, and I’ve been diagnosed with severe anxiety & depression that I’m being treated for with daily medication, and therapy. I also accumulated over $8,000 in medical debit.
I was working and had an awesome car I was making payments on but unfortunately it has been repossessed. I lost my job. I keep looking but I haven’t found a new one yet. I have been blessed with a tremendously patient landlord, but I’m now 2 months behind on my rent and could find myself homeless any time now. Grocery shopping is virtually nonexistent for me. My credit is horrible but I have managed to get a few very low credit limit cards which I have now maxed out just trying to make ends meet. I don’t do drugs or have a drinking problem.
I’ve tried selling things online and even at pawn shops but no one wants what I have to sell. I’ve also taken a stab at a bunch of gig work apps and not had much luck with them.I’ve asked the limited family I have for help and they say things are rough for them too. I’ve also asked friends and they have done what they could and it has been greatly appreciated but that well has dried up and i really don’t blame them for that. I’ve tried applying for personal loans but I keep being turned down because my credit score is so low and not having a job for income. I’m not sure where else to turn. It is very humbling to reach out like this but I’m a 55 year old and this has become way to much for me to handle on my own anymore. Anything your willing to share would help and be greatly appreciated. Thanks in advance for your help. Sincerely!!!
Hi, my name is Juan F
First of all I want to thank you for the time it took to read this.
I will describe why I am asking for your help.
I am asking for your help because I have had some medical problems in one of my legs specifically in the right leg, even the toes, I get a lot of pain in my knee, cramps along my leg and there are days that wake up very inflamed My leg and my knee.
I’ve been around for about 3 months like this, there are good and very bad days, one day I can be well and the next day very bad.
I have missed work because of this ploblem, but I have tried to work, but in the last 20 days I have had the most severe ploblem and have stopped working for medical orders, my doctor has told me that before returning to work I must take care of myself and See a specialist for a review and see, what is causing this ploblem in my leg and knee. On Tuesday 3/10/20 I have the appointment with the specialist
I have been unemployed for almost 15 days and I don’t know when I will be able to return to work, I have a child to care for and maintain, since I am divorced, I have never stopped helping my son and that is why I do not know how I will do to cover his expenses in the coming months and mine, I hope that I can return to work as soon as possible and thus be able to continue fulfilling my obligation.
I don’t have help from my job because I’m on a contract so I don’t have vacation pay and sick hours I had only 2 days and it’s not enough.
I have never asked for help, this is the first time and it is very difficult to do it, because I have always come forward with my obligations alone, but at this moment, I really do not know what I will do if I am not working, that is why I decided to write my situation, sorry if I annoy you or if you feel offended.
I would greatly appreciate your help in this situation and I promise to help someone from here, when well recovered and working well.
I need 5000 to cover a month and a half or two of expenses so I can recover well from my knee and get back to work.
I hope you can help me and thank you very much for your time and your help.
I have the papers of my doctor and the reference he sent me, to go see a specialist, but I do not want to put my information online for security reasons. I hope you understand, but I promise you that everything written is true.
Ever since I been unemployed 11/02/2018 I have been trying to look for work my former employer let everyone go due to their retirement, When I was first called in to my former bosses office I had this ugly sinking hot an cold feeling I was to be let go due to what was going on in my place of employment, I was informed of being let go on 11/02/2018 ever since then I have been trying to look for employment on Indeed, ZipRecruitor, Monster, and Careerbuilder I have applied for so many jobs at these 4 sites ever since I was let go I have had a few handful of 1st interviews but never the second interviews? Why I ask myself is it me again I never been on an interview for almost 10 years so everything either has changed or the new generation I have to compete with since now I’m already 61 an not knowing the current new software programs that are out there setting me back due to lack of knowledge? Anyways I have to continue to pound the payment an look for a job. while currently my car an all the rest of my bills are piling up. A friend informed me about being a “Door Dasher” I signed up I started to Door Dash over a week ago and ended up liking it, my Car Creditor informed me my car was up for repo well they informed me that they would accept $471.00 and place the two month later in the back of the bill. I informed them that I would pay the amount agreed come the next Tuesday when I was paid an we hung up sadly my car was repoed lastnight while working. Now they want to full lates Dec 2019-Feb 2020 and Tow/Facility Storage Fees in the amount of $1897.00 I need this car to get by an start the process of being whole again. This is only one out of sad stories that has happened to me after loosing my job, 10 years in the office and my home almost up for being taken away from me…. Thank you for reading my story…. I just need help getting my car out of impound,
Again Thank you to anyone who reads this and I’ll be sure to pay it forward…. paypal.me/carrepo