I must tell you, I’m not one to easily ask for assistance of any sort unless I absolutely truly need it; Unfortunately, a situation has become a domino effect that is now leading me to here: Asking for emergency financial assistance to:
- Cover the rent balance to my landlord to keep from being homeless
- Pay for legal fees to stop the eviction process.
- Storage facility fees in case I cannot stop an eviction in time
- Funds to put me into an extended stay hotel so I don’t live in the streets or in a hospital (due to health issues)
Some background: I had money at one time, going from lower middle class to almost upper range of middle class. I graduated with a couple of degrees, and 2018 was supposed to be the year I would start the process of becoming “debt free”, but one call to Fidelity Investments to report fraudulent activity on my account, has now led to an eviction notice.
During the summer of 2018, after graduation, I needed a loan to assist on paying the rent, while working for a local insurance brokerage, doing what I could to “make commission”. What I received in the email looked official, with all the authorized logos of a “Registered Credit Access Business” (CAB) willing to give me a personal loan for $5000.
Almost immediately, I knew something was wrong when after I gave the loan office my personal information for a credit check, and financial institution information to place money into my checking account via wire transfer. The “manager” said my FICO was a bit lower than he liked, but he knew a way he could fix that. I immediately saw $10,000 going into my account, then saw the balance going down quickly… all too quickly, and I had not been approved for the loan yet! Long story short, my call to Fidelity’s Fraud Unit in Texas went from “doing the right thing” to today: an eviction notice. The CAB business was actually practicing money laundering, and in my case, the funds were coming straight from an East Coast hospital, not a lending institution. ALL FUNDS WERE IMMEDIATELY SECURED FOR MY PROTECTION. So, no money going in or out, and I used this institution for paying my rent.
I explained to my landlord that I had a problem, and it was going to take a month to fix it, so at first, he was lenient, but it took more than a month to fix, and another financial institution, that sent a check via FedEx overnight mail to take care of the rent, ended up with the wrong amount, and when I told their adviser this information, via secured email, that the amount was short by $300, and that my landlord, who met me at the Fidelity Institution to obtain that check) was incensed that the check was the wrong amount. I thought that institution would send me a check for the difference. Instead, the check that my landlord had, became a “rubber check” because the funds had been rescinded. Again, that set up an alert to the fraud unit, and assets were frozen yet again! Coming into December, I now owed my landlord more than 3 months rent, with a promise to pay.
The domino effect hurt my finances, my FICO score, and eventually my family. My aunt and cousins from one family disowned me because I had become a Medicare Insurance Agent, and asking for my godmother’s blessing on my new endeavors was the worst thing I could ever do, citing “Business and Family Don’t Mix!”. My eldest sister, with whom I have a stormy relationship with after the death of our mother in 2015 from Liver Cancer, fueled that exchange with that family. By Christmas, barely anybody was speaking to me directly, and my landlord was not going to take a certified check from me; he wanted cash only.
So, in the cusps of training at a different insurance agency, (left a brokerage house to a single insurance agency) I have run out of money, with my monthly check going towards toiletries and food. Having a bit of training on cryptocurrency, I immediately went for mining for bitcoin, hoping it would assist me while finishing up training. I’m still too short to come up with $6000 to make a promise to pay the landlord that I said I would by Christmas week. Now I owe him $13,000, and I just received my 3-day notice to “Pay or Quit”.
I’m about to become homeless, and my family won’t help me, and my friends cannot help after Christmas because of their own finances, local agencies cannot do too much to help me, and with a slew of health issues, a job at the local consumer warehouse won’t work.
I am asking for funds, not just for rent, but also for a legal defense because it is looking more and more as though my landlord only cares about his funds, and he is contacting my family on my personal issues, which is invasive! Whatever you can come up with to spare would help me immensely with staving off eviction, and avoiding being homeless in the dead of Winter.
I never thought doing the right thing would lead to punishments later, but that is where I am at currently, and I hope to rectify the situation, and get my life back on track.
Thank you for reading this, and thanks in advance for your donation!