I have the ugly pink notice (just removed from my door) and I’m desperate for help.
I have been trying to pay off several small loans (family, payday loans) to stay afloat. In November, one of the family loans needed to be paid in full immediately; my relative had their own needs. I thought I’d be able to pay off that loan without an adverse effect, but my November rent came back. I did what I could to fill in the gaps, but I was unable to find what I needed. I was unable to pay both November and December (and court/late fees) with one paycheck.
I have a few options for help and enough to pay most of the court fees, but I’m still about $1500 short. I work full time and can’t skip work (or really take calls during the day) without getting into trouble with the bosses. I always try to pay it forward when someone helps me out, and will continue that habit as long as I am able.
My backup plans and backup backup plans have been falling through; I don’t drive or own a vehicle, so I can’t add a rideshare or delivery job. I applied for a less expensive apartment that has a no-rent-this-month special and was denied due to my current situation. I don’t have family in the area or friends with extra space. My cats don’t need to be put on the street (I don’t want to, either, but I’m more worried about them).
I don’t have holiday plans to salvage or travel to rearrange. I only have myself and two very sweet cats that lack outdoor skills. I’m in Colorado in December, so I can’t really get a cheap tent and find a park that’s temporary resident friendly. We’ve already had two significant snowstorms, and one of them led to ice-covered streets and sidewalks that weren’t cleared for a week — and I hit a patch of that ice and fell hard enough to injure my knee. (The other knee is frequently injured and generally hurts.)
I am continuing to seek local help; ideally, I’ll be able to pay off my balance before things get really bad. Beginning in January I will be going to the closest branch of my bank for a (certified) money order to pay rent every month; even after my finances balance out, I would prefer that certainty to relying on automatic payments.
Any help is appreciated.