Hi, my name is Alexis Vilay and I’m from Seattle, WA, currently living in Renton, WA. I don’t even know where to start honestly. I can list out what I have in debt but it’s just too easy that way. It’s also so easy to tell myself that I did this to myself and I don’t deserve any help. I don’t want to think that way because I’m usually very optimistic and positive minded. I hate asking for help but it has come to the point where I have nothing and no one.

I want to first mention that I am pregnant, first pregnancy, and with twin girls. This was a surprise of course but at this point, May 9th 2019, I am about 27 weeks pregnant and will be due in 3 or less months now. What makes me bring this up is that I feel like I’m already disappointing my unborn daughters. I am definitely not prepared whatsoever. I only have blankets and maybe 4 or 5 matching pairs of outfits for them (which aren’t the outfits you want them to wear everyday and be comfortable and get messy in) and they’re not even newborn size… Probably only have less than 10 pairs of socks for them to share. What I don’t have is a lot that I need and could’ve had if I didn’t get myself into a financial mess… I don’t have diapers, bottles, bibs, towels or any type of baby bath products, milk formula (I will be breastfeeding I have WIC benefits but that will only help me out so much since formula goes by fast… and with twins….. I don’t even want to think about that right now). I don’t have car seats or a double stroller or even strollers at all. I don’t have any regular newborn sized clothes to put them in once it’s time to leave the hospital. I don’t have a crib but I’m not worried about that, they can have my mattress while I sleep on the floor or use a hand me down mattress or something from my parents if they even have one….. Whatever I know that I don’t have, I just think about how I can let them live with what I do have (personal items, not baby items) and go by with it. But it’s just embarrassing to me… I know I can get some stuff from the dollar store but I can’t even afford a $20 trip to the dollar store….

I’m also incredibly in so much debt….. I don’t know if it’s easier to list them out or type out the whole story. I don’t have a problem with writing so I don’t mind either way. This is where I really don’t know where to start because there is so much….

Also wanted to mention that I left my job due to the chemical smell that I constantly smelled everyday. I worked at an auto body shop so I can always smell metal or paint chemicals, and it’s always dusty from the labor guys sanding down panels or bondo. I knew I had to leave but now I just help my mother at her small business where she is a tailor/seamstress. I really am not expecting her to pay me as much as she does. She’s going through a lot, herself, and I feel so bad that she is spending as much as she does on me to help me pay rent and buy clothes thatll fit me since I’m just getting bigger and bigger. I don’t want to end up telling her side of things because if I had extra money, I would just give some to her. Anyways. Now I’m just helping her at her work 2-3 days a week. Also just started my GED program where I go to my classes 3 days a week. I know that this GED will get me somewhere and find me a better job eventually. That is the mindset and goal I have right now but it’s also being interfered with.

Unfortunately and inconveniently, my partner and father of the twins also quit his job because of personal choices. Hes not really the best in keeping a job. I dont want to make this about complaining about him because i can do that all day. Anyways he got a new job as a temp and im not loving it. He gets paid less than what he used to make and he gets paid every week rather than every 2 weeks so, to me, is like they’re taking more taxes out of his paychecks since it’s more often now.

First of all I used to loan money from Moneytree. I don’t know if they add interest or late payment but I’m pretty sure I owe them more than I even think I do right now. About 2 months ago, I loaned 400, interest was 90 dollars so I owed them 490 at a certain date. Once that date came, I didn’t have the money due to quitting my job. So I let that amount overdraft from my checking account, which added $30 overdraft fee of course. Maybe a couple days later I loan another 200 from Moneytree because of how broke and hungry I am. Not cause I’m pregnant and had cravings, I was legit hungry. So I believe loaning 200 gave me $30 interest? So I owed 230… Then I check my checking account with my bank a day after or so and I noticed that the bank returned that 490 that I originally owed. They also returned the 230 from my checking to Moneytree …. So now I owe Moneytree 490 plus 230? I’m not sure if they charge me interest for nonpayment over time but just letting you know I haven’t went to Moneytree to pay anything back in about 2 months now. I feel like crap because this is the most debt I’ve been in. And I didn’t mean to but I did it to myself.

Now my bank account is -$170 because they charged me the $30 overdraft fee several times. I don’t even want to check how many times I’ve been charged that amount, I just know that once I saw that it charged me more than 4 times, I signed out of the bank app.

For the last 3 months, since the last week that I worked at the autobody shop, I’ve been doing half payments for rent. My rent per month is $1050 for a 1 bedroom. Which is not bad actually its one of the cheapest options in the area. Also this apartment only accepts low income. The fact that i cant even pay that amount (my partner and I) is terrible. The fact that i have to do half and half payments per month is terrible.

This month of May, I get notified by my apartment that if I don’t pay the full amount in full in 3 days (Monday the 13th), I would get an eviction notice. This is my first apartment ever and now I’m going to get evicted…. I owe the apartment $1000. My mom tried to help me pay rent but they didn’t want to accept her payment for half. They want a full amount of 1000 by Monday so I am just stuck.

Yesterday my electricity went out, when I got back home from school. I paid it with my credit card so it’s okay now. Not really because I still owe the electricity company some money too..

Except that I haven’t paid my credit card company anything at all for the past month so adding on the $100 that I paid for the electricity, I’m going to have credit issues later on, knowing that I can’t pay that off soon, not even slowly.

Not to mention my internet bill is overdue by 2 months. I’m just not going to pay it this month. It’s not important so I’ll just worry about that later, I guess.

Anyways, we’re also supposed to move out of these apartments and move into this other apartment we got approved for… Pro is that we would be getting help with rent from either my mother, or uncle on mother’s side, if we do bunk with him at the new place. Con is that the cost is way more so we are hoping that they do help and that the move will be good, rather than make our situation worst. What is stressing me out about it is that we have to pay the security deposit/move in fees which is adding up to what we already owe the apartments we live in now….

Please skip to the end of my request for my paypal link

Please excuse this list of what exactly I need donations for… This is for me to calculate exactly what I need to pay off.

-May Rent: $1000

-Apartment move in: $2850

-Electricity: $153.98

-Internet: $214.16

-Credit card: $426.51

-Checking account overdraft: $173.90

-Moneytree: approx $720

I need around $5,538.55 because, although I put myself in this situation, my unborn children don’t deserve this. They definitely didn’t ask for it. That amount is just enough or maybe almost enough to pay off what I need to pay off in order to get back to square one again. I’m usually the one with big goals and always imagined myself having the perfect job to even help my hard-working mom retire, but I’m the one asking her for help. I just can’t do this anymore and the fact that I need to pay at least rent before Monday the 13th makes matters even more stressful for me. I’m more stuck than a shoe stepping on gum on a pavement. More stuck than glue right now. Any type of help works and is very much appreciated. Thank you in advance.

My Paypal is paypal.me/AVilayDo

My bank summary showing the moneytree situation. And my internet bill. Don’t know what else to show. Also attached a photo of my notice from the apartment that I owe 1000.

I accidentally put UK instead of USA below…. I’m already screwing up

I recently had a major medical emergency and have been behind on bills. I was not able to make my rent payment and am currently at risk of being evicted. I don’t have anywhere else to go and am in desperate need of quick funds in order to be able to pay rent. I have been extremely busy with school and work that I just haven’t had the time to think about this ahead of time. I work two jobs, one as a tutor for bilingual students and my second job as a bartender at a bar where I am constantly harassed but at least I make tips. Unfortunately even with these two jobs I just haven’t been able to meet my rent payment. I was recently hospitalized after I was hit by a drunk driver and that caused my savings account and budgeting to plummet. I have tried everything to save money and have even tried selling clothes and belongings but with the amount of bills that I have, nothing seems to be helping. I am also a full time student so it is hard to pick up extra shifts to make things work. I have tried just about everything and I am at my wits end. My financial stability has been on my mind so much that it has affected my mental health and has caused me to fall into a deep depression. There are days when I cant even get out of bed but I have to force myself otherwise I wont get paid. I have put my schoolwork to the side and have not been interacting with any of my friends. I have tried to ask for help but there doesn’t seem to be anyone in my life who is able to help me because they are all struggling financially as well. My dad recently got laid off from his job so I cant ask him for help and my mom is working just to keep her and my dad above water. I have no siblings and my friends are all struggling college students as well. I have exhausted every option but between all of my expenses, nothing seems viable. Please help in any way you can so that I can pay my rent and continue to go to school, I’m a pre-med by the way. Here is my paypal link.

Paypal.me/mariear19

Hi, I am writing because I am in dying need of assistance. I am located in ocean springs, MS and I have been going through trying times. I have totaled my car a few months ago and have been without a car for exactly nine months. I would catch a ride with a coworker every morning or i would sometimes Uber to work. I have no family here besides my little cousin that I had taken in because he was going through some hard times and I took him in, made sure he had a safe place to lay his head and push him to stay in school. Which now he is about to graduate from high school this month and will be going to college on a scholarship. It has been hard trying to get around without a car but I managed. I recently just lost my job working as a teller and I was so devastated but i also expected that because the energy at my workplace was very negative. My branch manager picked with me a lot. Nothing I did was ever good enough. I felt like i was walking on needles every time I came in to work. I would always pray before I went to work because it was draining me and bringing me into a state of depression. I just felt like the little black girl that didn’t belong there.so I was definitely Hurt and also worried about how I will manage to pay the bills. I am now on the verge of being evicted out of my apartment with no where to go. I’ve never imagined going through anything like this. I wouldn’t wish this feeling on anyone. Some days I worry about running out of the little food I do have left in my cabinets. We have been eating oatmeal for several weeks now. I try my hardest to do right by people and it just seems like nothing is going well for me. Even through all the things that I am going through, I still remain positive. I have been looking for jobs but have not been getting any calls or emails and it is really making me feel down and depressed. I’ve even went in person to talk to managers just to not get any feed back. It just seems like when I take ten steps forward I get knocked back down ten. I have nowhere to turn to, I am scared but I know where there is a will, there is a way. I have faith that things will get better in due time. I would really appreciate any donation, anything helps. Please and thank you
https://paypal.me/jameca343?locale.x=en_US

My name is Stephanie Jackson, I’m married with 4 kids, we have a 10, 5, 4, 2 yr old. last year was a tough yr for my family and I, my husband lost his job and then 2 weeks later we found out his brother had passed away. My husband went down hill from there. it took me 5 months to pull him out of the dark hole he had fallen in. after that he started to look for work but nobody would work with him where we had one car and our daughter needed to be to school in the morning and we didn’t have the money to drive back an fourth to salt lake which was 30 mins away from us our rent was due so we got a title loan  out on our car we had no choice either loose our place to live or loose our car. we lost our  car. My husband then got a job his mom drove 3 hrs and dropped her car off for us to use and he found someone who would work with us. well that didn’t turn out to swell cause they stiffed us on his last paycheck. we thought everything was going good but we were wrong. to be honest with you we don’t know why but they just stopped calling him to go to work. Trenton had then found another job but it was to late our landlord wanted us out of there. we tried to talk to her but she said nope not doing it. We had to be out of our home i do believe it was April 8th 2019 we are now homeless and have no where to go Trent’s boss has been working really good with us an let him take a few weeks off so we can figure out where we can go. I feel like we are stuck between a rock and a hard wall cause in order to get money Trent needs to work but in order for him to go to work we have no where to go while he goes to work. I know this is a lot of money to ask of someone you don’t know but i feel like we have no other options the worse thing that can happen is no. Its going to cost us $8000.00 to get us into a place i know it sounds crazy but I’ve been looking at places to rent and i cant find anything under $1500.00 an they are asking for 1st and last months rent and a deposit which comes out to be $4500.00 just to get into a place but before you get into a place you have to put in an application which is anywhere from $20-$40 for just the application per adult and still after that you don’t even no if your going to get the place until the application has gone threw and if it don’t then your out $40-$80 still. Also my mother in law is wanting her car back and I had been approved for a loan to get a car but they said i need $3000.00 for a down payment. I understand that’s a lot of money to ask of someone who you have never met. but i promise you if you can do this one thing for my family and I, it might take us awhile to pay it back but i can promise you this we will do everything in our power to do so. and if you do this for my family an I it would truly save us before something else bad that may happen like loose each other because we have to where to go and my kids cant live out of a tent. my kids are everything to us and loosing them isn’t and option for us. Even if that means we swallowing our pride and asking a stranger for help. so please if you could we would be so thankful. even if you cant do the hole $8000.00 anything will

help my paypal.me/stephjackson08

I am asking for help right now because I’m about to lose my home I’ve gone to every place in my town to ask for help, wait i  long lines only to get to the front and be turned away. 

My husband works and works hard ,we were fine until the owner was killed and his daughter and son took over. They  recently found out the daughter had been and still is stealing  from the company, tried to sell it without the permission of her brother now that’s put it into probate court as she won’t accept the settlement and took it to court. My husband had a base pay with commission and bonuses now he only gets his base pay and that has thrown us into a tailspin with our bills. We pay them something every month so they know we are trying . I make and sell items such as home decor and jewelry out of our home, it helps but it has slowed down considerably. 

Now my truck needs right front end redone, it makes a horrible metal on metal sound. And has to go to shop to be fixed. There just isn’t enough to pay everyone, pay everything ,and still put food in our home and fix my truck too. I’ve found another job however i can’t start it until the truck is fixed, it’s 45 minutes away  from my home. 

I’ve asked my family for help but we lost my mother two years ago on September 1, 2016 and my dad is still paying on accounts from when she was alive. I’m extremely stressed and worried that i won’t find help and we will be in the street neither of us have anywhere to go, my dad hasn’t got the room and will probably be moving south soon, then I’ll be back to square one. 

I know you all hear the same stories over and over, and that everyone is trying to convince you to help them. I’d say that’s not what I’m trying to do but that would be a lie, i really do need help in a hurry. I hope that you can help me and fast as i am running out of time. Thank you all for taking the time to read this and possibly considering helping me. 

Hello,
And thank you for even taking the time to read my post. I want you to know, this is the first and only time I have ever done anything like this. I NEVER EVER ask anyone for help. This is very hard for me to do and discuss. I am a woman in her early fifties, divorced. My elderly parents live on a fixed income and do what they can to put even help put some food on my table. (I only eat once a day so that I can keep cost down). I work for my money and have never looked for and expect handouts.

I started working at the age of 11, first job was babysitting. My career has been in the advertising industry of which I love, but a volatile industry to be in, especially the creative side. (my area of expertise). During my lifetime I have been laid off too many times to count, due to loss of large agency account, budget cuts and in the end, our declining economy during certain years. I have bounced back in the past, but this past year has been the exception.

The reasons, I can only surmise to be my age, the economy and the growing trend of not hiring full-time, so that companies/agencies do not have to offer benefits. They use either part timers, freelancers (which I have been for 12 years) and as of late, interns.

I was working a freelance/contract until they cut me in March of 2018. I did get unemployment, which did help, but put me far behind in all my bills and rent. I ran out of that in November and the bills/rent and lack of health insurance, I fell farther and farther behind. I did get a bit of work in December, but since January I have had NO INCOME at all. I pound the pavement looking for work, in my field, but at this point, I look for anything. But employers see a professional woman applying for jobs that pay minimum wage and won’t hire, because they know she will leave as soon as she finds something that pays more and is in her field.

I have some people that will help financially here and there, if they can, with a few bucks ($20) so that I can buy groceries. Also, I did my brothers website, for his new company he just launched.  He did give me what he could, but it is a start up. It helped with some food and a bill.

My back rent is up to $3100 and I am getting eviction notices. And May rent is coming up. That is another $1275, which will bring what is owed to $4375. I want to keep a roof over my head. That is most important to me.
My car payment is so behind, I think it is at the point it will be taken soon. I need it to get to jobs. I can get exacts but I do know it is behind over $2000.
Other bills that are way behind and are going to be shut off any day now, are: internet (bill is over $400 and will be shut off anytime now), which I need to find jobs, continue educating myself with software to stay current, to keep in touch with Former colleagues and those who can help me to find jobs. ie: LinkedIn. My cell phone (bill is over due about $200-300), which is the only way I can be contacted by phone, and is on my resume. My car insurance is $78 a month and comes out of my bank account automatically, but my bank account is now at (minus)-$111.40 with fees being applied with continued negative balance.
I don’t have health insurance and am on 3 medications I need to pay out of pocket. 2 of them are around $40 per month and the other is $150 per month. Going off them will cause a seizure. These medications are because of anxiety and depression, and as you can imagine, life has caused this. I am having major anxiety attacks and this is manifesting physical symptoms.(shaking, unable to concentrate, nausea..and so much more).
Besides the absolutes above, I owe doctors, who won’t see me now because I have an outstanding balances (one is $450)… I have major tax debt and leins!!! Some legal debt.

Again, this has been very hard for me to say to anyone (and I don’t) never mind put it here for strangers to read. It is embarrassing and I feel like a failure. So, if I were to put a dollar amount to it, $15,000 would catch me up with my rent and the bills (less tax, lawyers bills). I know this is a lot to ask.

I thank you for your consideration!
Lisa
paypal.me/lvs925

Hi,  my name is Monica and yes,  Im tired of being tired.  I’m a single Mother and not by choice,  their Father decided to choose drugs instead.   But I forgive him.  After we separated,  I continued to thrive and I was doing very well.   That is,  until four years ago when my life seemed to just spiral out of control.  To save space,  I’ll list some of it.   It started with my favorite cousin passing away in my arms on Thanksgiving eve,  my daughter passed away in my arms three weeks later and right next to the Christmas tree.   In the following year,  I lost nine family members and friends; not including two pets.  I was assaulted and had my teeth broken at the root.   Someone broke into my car at the park and stole my last two pets.   My son feel through a window and broke his teeth.  I was in a bad car accident,  now I have permanent spinal and internal problems. My Christmas presents were stolen on Christmas a year after my daughter and from a church.  We went homeless and it goes on and on.   I had a terrible event almost monthly for three years.  Now it’s getting better.   Thank God.   I’m tired of suffering.   We have a home,  I can see my children becoming happy again and it feels good.   But now,  I’m facing eviction.  I feel behind.   I think I’m still depressed.   I mean,  sometimes I feel numb and empty.   Is this the reason that I can’t snap out of this sand pit?  I don’t know,  but what I do know is that I can’t imagine the nightmare of going homeless.   I’ve been there and do not want to go back.  Since my teeth were broken,  I can’t afford dental care.   My mouth looks so gross right now.   So I will so pics.   I can’t believe I’m showing pics.    Please if anyone can assist me and bring me some beautiful light,  it will greatly appreciated.   Besides the financial help, if you know of any other ways to improve my future..   Please share..   I want a happy life again.   Just something to add.  I’m a really happy person,  sometimes I smile too much.   One day my face was hurting and when I looked in the mirror..  I was frowning.   Crazy,  I don’t want to get used to that.  If you need any other documents,  please I’ll send them asap.

paypal.me/workingonlife