I graduated high school in 2006. I have been working odd jobs since I was in high school, a lot of grocery bagging, things of that nature. I decided that I should try to get some further education, and since I liked computers, I wanted to enroll in computer classes. I asked a cousin what I should go for, he told me he was doing computer networking and loved it. So I went to school for 2 years mostly doing basic classes, a few computer classes here and there. The town I moved to is 200 miles from my original home town. I roomed with a friend of mine who I started a band with, he played guitar, I also played guitar and was a vocalist. A year and a half into this, due to needing to pay for my living, roomate suggested I get student loans. I requested student loans for 3 semesters, roughly received 6,000 per request. So I lived off that money until the next semester. Well I got a phone call, my father had a massive stroke. He was paralyzed on his left side. I decided to go see him. A couple days later, my mother was hospitalized. They diagnosed her with an old case of hepatitis C: her liver was failing, she was at stage 3 cancer. My father refused to go to a nursing home, they were both around 60 at this time. So my mother decided to take care of him. Knowing this, I had a feeling they might not last long, so I dropped out of college to go and be with them. I started working factory jobs, and ended up getting a woman spawned from satan himself pregnant. Debt collectors started calling about student loans. I started a payment program with them, like ten dollars a month, but they took every tax return I filed. Then a few months later, my father died. My mother moved into a small apartment afterwards, and in three months, she also passed. My brothers and I have signed for her funeral, but none of us have been able to pay for it. They don’t even have head stones.
And here I am. Currently a car salesman with a ton of debt. 13k in student loans, a couple thousand in comcast and at&t bills. Child support from the woman I got pregnant. Another baby on the way. I know that people file bankruptcy in hardship, but I also have experience turning them down when they try to buy a car. But I do not know how I am going to get out of the hole i’m in. I’ve asked banks for advice, they have none. I am naive when it comes to finances. I have no one to ask for help. All of my family are basically loners. After my parents died, I might as well have died also when it comes to them. So this is what i’m asking:
What is the best way for me to get out of this? I have never owned a credit card, but my credit is HORRIBLE. Currently I am financing a washer and dryer. I have a title loan for the car i’m driving, but it’s a piece of crap anyway- 02 VW jetta. Any advice at all would be greatly appreciated.
Thank you. https://paypal.me/crbdonate
I’ve been drowning in debt for years, but I’m not writing this for me. My name is Mandy Broadbent and recently a good friend of mine was diagnosed with stage 4 cancer, I immediately registered for a nonprofit group to help him get what he needed to get through this. We were successful, however getting funding is another story. My friend endured 9 months of cancer treatments and spinal surgery that left him in a wheelchair. The nonprofit group we have put together is called Calgary Cares Society our mission is to help those effected by cancer with finances to help with the burdens that come with this aggressive disease. The group was trying to raise money for a vehicle to get Tyrel to and from his appointments, because the day after his spinal surgery his wife Rachael was in a car accident, and their insurance was not enough for a new vehicle. Unfortunately on April 20th 2018 his 2nd wedding anniversary Tyrel Stevenson passed away in his young wife’s arms. I’m writing this for Rachael Stevenson. She needs our help with the cost of saying good bye, and although she went the cheapest route she possibly could, the costs still exceeded $8000. Racheal has not been working because she needed to take care of her husband, Tyrel needed help in and out of the wheelchair, as well as the embarrassing part of needing your wife to change your diaper on a daily basis. She was his primary care giver for almost a year, she never left his side. Rachael deserves a helping hand, she is selfless and caring, and already has had to deal with the worst time of their short lives together. Our group had raised over $2000 together before he passed away, which helped them pay for a few bills that were over due. Sadly our nonprofit group is not kicking off as I would have hoped. I’ve been looking into more ways to advertise the group and gain members, with very little success. I plan on putting on an auction to help raise money for Rachael, but that too costs money to put on. I’ve roughly put together some event costs and I would need $5000 to have a successful event take place here in Calgary, Alberta. On one hand $5000 could help the nonprofit group and potentially Rachael, or on the other hand $8000 could help Rachael move towards a brighter future. If we are aloud to put a foot in there as well, we also need to replace a vehicle for Rachael so she can return to work and lead a somewhat normal life while coping with the loss of her husband. As a registered nonprofit organization I could potentially add you and/or your company to our list of donors, depending on the sponsorship type or agreement, we can advertise our partners and sponsors on all platforms of marketing. Calgary Cares Society has a website if you are interested in what we are about www.calgarycaressociety.com We have made a section for Tyrel Stevenson which has a link to chuffed.org while there you can make a donation and receive a receipt for income tax purposes if you wish. I eagerly wait for your support. Thank you! paypal.me/MandyBroadbent
