My name is Damian and I feel very uneasy writing this. This is the first time in my entire life I’m asking strangers for financial help.
Up until now I was doing considerably well, I had good job, was paying my bills on time and was working on my income property.
Two years ago I met my husband and it was a love from the first sight. We had a rough start though. We wanted an apartment so we put our income information together and went for a hunt. Unfortunately something was wrong because we were rejected at least 35 times!!! After doing some in-depth research I found out that the reason of all the rejection was my husband poor credit score.
I was not going to give up and with help of friends and family we got a nice one bedroom apartment in a very nice building.
After a year we got married and things were looking pretty good.
My happiness was short-lived, though. It turned out that not only my husband had debts problems and tax problems which were taking a big chunk of our income, but also few addictions. I was thankful for having him sign prenuptial agreement because it protects me, and him in that matter from being responsible for debts acquired before our marriage.
Trying to help my husband to overcome his addiction I ended up in therapy myself becoming co-dependent. The depression forced me out of my job. It took me a very long time to find a new job but I recently did. It will take moths to get back on track, though.
For last few months, I live in fear of loosing our apartment. we haven’t paid the rent for last 3 months. Our building turn out to be very disorganized and because of it I found out that they illegally overcharging us for rent. I placed a complaint in Departament of Buildings and it looks like our rent will be reduced from $1620 to $1320 but it will take more then 2 years to process. So for now we have to pay what we signed for.
We owe them 4 rents of: $1620.
It comes up to:
I went through all my savings, stopped payments of my credit cards so we could have money for rent food and bills. I had my cell phone cancelled for obvious reasons. My construction is on hold. Still I have some medical bills but I worked out low payments so it will not go to collection.
Unfortunately my credit cards debt went to collection and I have been summoned to court.
CO: $ 707.87
I’m trying to do all the right things and keep it together but with my husband addictions , piling up bills and threat of being homeless it feels like the whole world is collapsing around me.
I hope that there are people who can help me. I will be gratefully appreciative of any and all help.
God Bless You and Thank You!
P.S. Total debt: