This is my LAST hope,
I’m writing to ask for absolute favor in the hope of possibly avoiding a very detrimental situation regarding my financial position right now. Typically I would hope to be able to obtain a loan through regular channels (bank, finance company; etc.). But let me give you some background about where I am at.
After filing taxes for year 2014 at about $80,000, year 2015 at $54,000 and for last year (2016) at $32,000 the obvious has come to pass, (more out, less in).
I have truly fallen into financial debt that forced me to file for chapter 13 bankruptcy just last month.
I have been in my house since 2007 and have been trying to maintain keeping up with my bills as best I can without resorting to the bankruptcy option. I have always been convinced that God had this house planned for me, my signing was on April 6 (Good Friday), and moved in on April 8 (Easter Sunday).
After being a lifelong bachelor and finally finding the absolute love of my life she expects me to be the man that God has brought me up to believe that as the man of the house means that I provide for safe shelter for my wife.
I met my wife in early 2014 right after I lost the job that paid me $80,000 because the company didn’t receive the contract that they had anticipated. I maintained my obligations despite going through unemployment until October of that year.
In October I got the next job that paid me only $54,000 and maintained that job until August 2015 when it became apparent that this position wasn’t going to work out and I was released.
Again back on unemployment until December of last year (2016) again trying to maintain my financial obligations despite making less money. Despite all that I had maintained a 700 credit score until filing bankruptcy.
Truly grateful to have income again I tried to again keep up with my bills but eventually the debt to income ratio caught up with me which bring me to the purpose on writing this letter.
The position that I currently have is a contract position without benefits such as health care, paid holidays, etc.
Starting in December there were days in which I had to take off because of holidays so I really haven’t had a week in which I get a full paycheck. Finally starting in January there was fewer days off because of holidays (even though there were a few).
So finally attempting to get on track brings me to February when I was rear ended in a car accident which again has caused me to lose income.
Now here’s where things started to spiral out of control to bring me to this point.
Filing the bankruptcy on Friday (February 17) and having the accident the following Tuesday (February 21) really put a strain on my situation even more. The car that I was driving had a lien on it meaning that there would not be any payoff coming to me.
Luckily I do have a truck that I could drive in order to get back and forth to work but it’s not as fuel efficient so it’s costing me plenty more in gas money.
Which brings me to the writing of the letter in hopes of getting someone who can understand my situation and have favor, grace & mercy and is in a good financial place to be able to allow me to borrow $5,000 in order to get caught up with my mortgage which due to a misunderstanding that I had with the attorney that is handling my bankruptcy I have fallen behind. I was under the impression that ANY money that I was short on paying my mortgage would be included in the proceedings and would be included in the bankruptcy payback.
Again normally I would be able to go and apply for a traditional loan but now being in the beginning phases of my bankruptcy I cannot incur ANY new debt according to the rules of bankruptcy so if anyone is in a position of making me either a donation or any financial help it would have to be in the form of a personal transaction because of the rules.
I know that this seems like an oxymoron to be asking for a loan but supposedly not incurring any new debt but if possible it would have to be off the record and either can be repaid via a commitment of making re-payment to you after a settlement is to come from car accident.
I’m NOT looking for a handout but what I would consider to be a “HOLD” over.
I know that whoever is reading this probably have heard all different stories about people in financial situations that are far worst than mine and I truly don’t consider this life threating nor eventually something that in time cannot be resolved but I’m in a place where I have really no other options but to throw myself at the mercy of someone who is in a financial position to help out.
If you can help me out or if you want to talk with me to confirm my story I can be reached at;
With extreme thanks in advance for consideration and continued blessing.