My name is Gema. I am looking for some assistance in getting out of a hole and into business so I can provide for myself and family.
I was in a family business that closed their doors suddenly. Shortly after I got hit with a $42,000 invoice for equipment rental for the company I was with. Apparently, I had signed as a guarantor not knowing what that was. By the time my old boss took this to a lawyer, I was already facing judgement. My old boss is my grandbabies paternal grandfather so I can’t make this a big deal and let it disrupt my ability to see my babies. My only option is to file bankruptcy. I have not wanted to go back to a 9-5 as they stated they will go after my income. Additionally, I have been helping my dad who is 75 and struggling with his health. A 9-5 doesn’t allow flexibility to do that.
I got my Life Insurance license in 2019 and am trying to get back to it. I stepped out of the field after my mom passed Jan 2021. Out of all the polices I wrote, 2 cancelled, and I now have two debts I need to pay to be able to get back into life insurance. I cannot file bankruptcy until I get back into life insurance because the agencies and carriers ask if I have filed bankruptcy in the last 7 years, so I want to get on board with life insurance before filing. I owe John Hancock $801 and American Amicable $955. I have been able to discuss a payment plan and pay half of each of these ($875) to lift the Vector they have me on so I can get back to business. The other issue is that I am behind on rent for this month and with late fees, I am at $3,000. If I can get assistance with one or the other, I would be grateful, both would be a true blessing. I can then hit the ground running without the stress of losing my apartment. Being a single mother of 4 created some credit issues so a loan is not an option. Plus, I don’t have steady income as I am freelancing building websites and optimizing Google Business accounts. Life Insurance is where my heart lies. I want to live a life of purpose in my business and in my church. I just need to put all of this behind me.
I appreciate you taking the time to read this and thank you in advance.
*I had to reset my PayPal link. I hope this should be complete later or tomorrow. PayPal said I can use my email gema.hrmc@gmail.com