My name is Amanda and I am desperate for a break from life. I am struggling to catch up on my bills and my mortgage payments. Everything fell behind when my mental health took a turn for the worst and my depression/anxiety got the best of me this spring. I have been fighting like hell to get better. I go to every doctor appointment, every therapy appointment, go to work every single day and try to be the best mom and wife I can possible be to my family but I am so stressed out. Some days it’s hard to breath knowing that I have put this burden upon myself all because I am mentally ill.

I have struggled with my mental health since I was a teenager and I have seen  a ton of doctors, been hospitalized, had lots of medications and finally after 25 years have finally been correctly diagnosed within this last month. So, while I am still struggling I am trying. I am trying my damnedest and I do it all for my kids.

I have the greatest kids a person could ask for. I have a 13 year old daughter who is absolutely in full teenage mode and can be an absolute brat and yet I know she is going to be the best adult and I can’t wait to keep watching her grow up. She has the absolute biggest heart and the weirdest, funniest personality. Then, I have a 7 year old boy who I think his whole life goal is to test me and see how fast I can catch him getting ready to do something crazy with his friends, like building a fort in the back of my pick up truck. :)

The thing is if I wasn’t desperate I would never have found a website like this. I never ask anyone for anything. I am a giver. I don’t ask anything in return. I work hard at a job I love but don’t make a ton of money. I really am trying my hardest and if I can just get back on track I know I will be okay. If I can just get back to the start line everything will work out. I know I won’t be able to pay back who ever helps me BUT I will guarantee I will pay it forward in every way possible.

Amanda

https://paypal.me/Myers4503

Well where do I start? My name is Preston I’m married we have 2 boys 3 years old and 1 year old. I currently work 8 hours from home weeks if not months at a time. I work 100+ hours a week. The reason I’m here honestly is the fact we are 50,000$ in debt caused by some life changing events and because I was younger and stupid. My only goal is to give my kids and wife a life I never had. To accomplish this though I just NEED HELP. I’m at the point where I’m putting my pride to the side. I’m just asking can anyone please help me? I’m just trying to get our head above water. I’m slowly sinking and it’s my job to protect and provide for my children and my wife. If I can get out of this debt I can then be able to be home more to watch my kids grow up. I don’t wanna be the dad that misses every birthday every christmas every important event in my children’s lives because “im sorry daddy has to work baby” because I know if I miss work we will go with out my kids will go with out. I got out debt down to 50,000$ and working the way I do is taking a toll on me and my family physically and emotionally. If you can please help us.

https://www.paypal.me/prestonlawson30

Blessings to the person reading my plea,

I am a 57 year old widow who has raised and is in the process of putting three children through college.

My husband passed away 8 years ago while my children were 18, 16 and 11. Because he had Lupus, the only life insurance we had for him was secured before our third child was born and his diagnosis prevented him from getting any more. His death was not expected. It was an unfortunate case of Pneumonia that triggered a Lupus flare up in his lungs, which in turn caused Pulmonary Fibrosis (scarring of the lung tissue), which basically made his lungs unable to support life.  I had the excruciating task, after 66 days and nights in the ICU to discontinue life support. The loss of my husband was obviously emotionally devastating to all of us, but because of the financial and emotional demands of two teenagers and one preteen, the loss was doubly difficult.

Thankfully, the life insurance we did have allowed me to keep my oldest son in college and still be able to stay home and raise my two youngest children for the next few years until they left for college as well.

My husband and I, devoted to the idea of having a stay at home mom, made a promise to each one of our children when they were born that one of us would ALWAYS be there when they left for school in the morning and when they came home in the afternoon.  With the loss of my husband, the ability to keep that promise was strained, but with the careful management of his life insurance proceeds and a modest Social Security Survivor benefit I was able to do it.

Once my youngest turned 16, the Survivor benefits ceased and the little bit of life insurance that was left was finally depleted. So, for the first time in 18 yrs, with my promise to my children kept, I set out to earn my own way. To do so and remain in our home, pay back the Parent Plus loans I took out to help finance their education, and all of the other costs of living, I have been working two jobs, (three if you count Ubering) ever since.

Clearly, my efforts to raise my children in a secure, loving, honor filled home bore fruit. My oldest son graduated from Georgetown University and is now a 3-L Law student at UPenn, an Ivy League Law school. My daughter graduated from Belmont University in Nashville with a degree in Songwriting and is now working on her first CD. And my youngest is a senior at American University in Washington DC.  He is Law and Justice major, with a concentration in Homeland Security and Counter Terrorism. He is also an ROTC Cadet and when he graduates in May, he will commission into the US Army as an Officer and serve on Active Duty for 6-8 years.

I have worked my tail off both as a mom and as a breadwinner to provide the education, home life, and character building lifestyle to assure their success.  I think it is clear, based on where they are in life, that my efforts have been a success. Unfortunately, since two of them are still in school and my third is just starting out her career, they have no disposable income to help me out of this short term financial crisis.

I’m certain that one of the reasons that they have landed on their feet, despite the death of their father, is the continuity of their lives. Their home was a huge part of that continuity. I have worked hard to make sure that their home remained their keystone and now, it is all I have left.

My youngest, who over the course of the past 8 years has lost his father, his paternal grandfather, his maternal grandmother, (now with no living grandparents), his dog of 17 years and his cat who was there at this birth. In addition the family of five that he always knew, became just a family of two once his brother and sister left for college, has lost enough. Losing our home, just can’t be an option.

Now, even though he is a young adult, his decision to serve his country, has added even another layer of pressure to keep my home. When he comes home on leave from his duty stations around the world and potentially from deployments into war zones, I want him to be able to “come home”.  If I lose this house, then he will not have “home” to come to. He’ll just be coming to “mom’s house” wherever that would be, and to which he would have no sentimental attachment. His grounding, his base, his foundational home will be gone.  I just can’t do that to him.

So, I persevere to keep this home.

In addition to all the jobs I work, which average about 65 hours per week, I have rented out two of the bedrooms which my two oldest, who no longer live here, had as children. All of this has managed to keep things afloat quite well for the past few years.

The problem I have now, is two fold.

1. One of my jobs is as a Nanny. I am paid hourly because each weeks schedule is different based on the work hours of the parents whose children I care for. In July and August, they took two, two week vacations.  As a result, my Nanny income for those 4 weeks was zero. I tried to make up that lost income at my second job, which is as a server at a fine dining restaurant, but in the summer, there is very little business and as a result we were working with a skeleton crew.  No one was willing to give up their shifts to anyone so I only had a couple of shifts a week and when I did, I still didn’t make that much money.

Just prior to all of that:

2. One of my boarders, (who moved into my home to recover after her 15 year old son committed suicide) had her work hours greatly reduced and struggled month after month to pay the rent. Of course, I didn’t have the heart to kick her out and she always did manage to pay it to me even if it was late. Up until the 4 weeks of lost wages that I incurred over the summer, I was always able to float the rent with my own money and get my mortgage paid, and pay my other bills when her rent money finally came in.

But then, when my income was greatly reduced in June, I couldn’t float it anymore and just as this was happening, she lost her job completely.

She was able to cobble together June’s rent, but I didn’t get it in full until the end of June (when July’s was due). July’s rent was paid in full August 9th, almost two weeks after August’s was due and August’s rent still has not been paid, let alone September.

As a result of all of these late payments, I have been inundated with overdraft fees and return check fees which have sucked my bank account dry totaling well over $800 since June. Of course, if she doesn’t even have the rent, any hope of getting reimbursed for the overdraft fees is fancy.  Needless to say, I have fallen more and more behind each month. As a result, I ended up two months behind on the rent.  The last time I made a payment, it was returned 3 times and the mortgage company would no long accept my checks.  Included in that letter was an ACT 91 form stating that the return of that check now put me three months behind and in default. Terrified, I called them and they said that if I can make two mortgage payments by the end of August and two mortgage payments before September 29th of this month, I’ll be back on track.  Well, last month I worked over 320 hours, 7 days a week for the whole month and managed to scrape together enough to make two mortgage payments in one month. I need to do it again this month as well, but despite working 7 days a week, to the tune of over 80 hours each week, I’m still going to be about $1000 short. If I can’t make the payment in full, the mortgage company will consider that a “breaking of the repayment plan” and will move forward with the possible acceleration/foreclosure proceedings.

Since I have two ladies living here, I have to make sure the electric, gas, sewer, water and cable remain on, so they had to be paid.  As an Uber driver, I have to make my car and insurance payments, so they had to be paid. I have to put gas in my car to drive to and from work and Uber as well, and I have to pay my cell phone bill in order to use the Uber app so those are bills that I have had to stay current on. All other bills, including my Parent Plus student loan payments have been deferred for two months to free as much income as I can.  But, even doing that, I still am significantly short. Doubling up a mortgage payment two months in a row, when a significant portion of your income (rent from one of the boarders doesn’t come in and the subsequent overdraft fees) is a high bar to reach.

The total amount due is $2,721.48 by 9/29/18.  Currently I have $1425.11 and that includes the paycheck that I will be receiving on Wednesday 9/26. I won’t be getting a paycheck from my other job until 9/3 which will be too late. That leaves a shortage of $1,296.37.

I have called the mortgage company 3 times and talked to three different people to ask if I could just delay a portion of the amount due until the 3rd (just 5 days later) and was told by each one of them, no. If I do, it’s “breaking the repayment plan”.

I earn a pretty decent income. I am a server at a fine dining restaurant on the weekends and the Nanny to a family of four children during the week. My hours as a Nanny are set so there is no opportunity for extra income. At my restaurant job, I am scraping up every shift I can, but the whole staff needs as many shifts as they can get because this time of year is still a bit slow, as long as the weather is still nice (which it is), so there aren’t many shifts to snatch up. Even if I do get a shift, only cash tips go home with us and most people pay with a credit card, so I won’t see those tips until they show up in my paycheck on September 10th. As for my Nanny job, I won’t get that paycheck until September 10th either.

I need this house not only for now, but it is the only retirement I have.  My goal is to live here another 8 years until my son’s service in the Army is completed so home will always be waiting for him and then when he is ready to set off on his own life, I’ll rent it out to a family and move to a smaller place, keep it until the equity is high enough that selling it will fund my retirement.

If I can’t get this mortgage payment made, all of that will be at risk.

I never thought that I would ever find myself in a situation where I was so desperate that I would resort to asking strangers for money, but it is a testament to the humility, desperation and fear I have that I am actually doing it.

If you are thinking about making a donation, but are reluctant because you think this will continue to be a problem as long as I have a boarder who is not dependable, please note that she gave me her 45 day notice on September 12th. That is a double edged sword though.  She won’t owe me a full months rent for October and that is contributing to this shortage.  But the good news of that is now, after dealing with her unreliability for almost a year, I will be able to get a boarder in here who is much more gainfully employed. I won’t make that mistake again.

Lesson learned.

So as it shakes out, my calculations are that as of this writing at 4:40 pm on 9/22/18, the only way to earn the money I need is to Uber. (Uber allows its’ drivers to “cash out” immediately after a ride, thus the deposits hit my bank account immediately.) I will have to earn 169.37/day starting tonight after my server job ends at 11 pm, and continuing every night after my nanny/restaurant job ends. It took me 5 hrs to earn $99 this morning from 4:15 am until 9 am. So, it will be about another 8 hour shift each day.  Total hours to work this week: 114. I’m going to give it my best shot, but it is an all or nothing proposition.  ANY help you can give me would be so greatly appreciated.

All the gratitude and blessings to you,

Becky Summers

https://paypal.me/rebeccasummers117

We have lived in our home for 19 years and raised our children here. They are three wonderful adults who are making their way in the world. My husband and I worked very hard to give them the best life we could and get them to this point.

Unfortunately, life doesn’t always go as planned. A little over four years ago, my husband had a stroke due to being electrocuted at work and was forced to go on permanent disability much earlier than we had planned for him to stop working. Impaired vision has been the legacy of this stroke and prevents him from working and driving. Thankfully, he can attend to his own care on a daily basis.

Our children were still in high school when this happened, and we wanted to do all we could to keep our kids in the same district until they were finished. We were able to do that but are now in a very scary position and need to move on.

We are going to try to sell our house on our own so that we can have some small nest egg to walk away with but are desperate for some help to keep us here during this transition. Since my husband’s disability, we have lost $2,000/month in income because of programs ending, pension restrictions, etc. As you can imagine, with three children in college, a loss of that amount is devastating.

We are cutting back on expenses, and I am trying to find a second job to increase our income temporarily, but we know that leaving this home is inevitable in the near future. This fact saddens us and it is very hard to keep moving forward with this hanging over our heads. The thought of packing up this house is also very daunting, but needs to be done.

Our children are being very supportive during this time and understand what needs to be done. Even though they will be finishing college in the next few years and moving out on their own, it is a difficult pill to swallow and makes them quite sad.

Your help and support during this very stressful time in our family’s life, would be more appreciated than you can possibly imagine.

Thank you for considering our plea and helping us through this.

Are there any honest people in this world ?

Hi my name is Sharon. My biggest character flaw is being gullible and believing everyone is as honest as I am. Which has brought me to this point of financial devastation and coming here to as for help.

My husband and I started a small trucking business in May of 2014 trying to earn a piece of the American pie, financial freedom and honest living.

It all started back in January of 2015 when the oil and gas industry went bust. We tried very hard to keep things afloat but we were sinking fast. With the industry literally coming to a complete halt and our 2 drivers leaving for better jobs we were left with thousands of dollars in debt and not enough money to pay the bills. And on top of that my husband was temporarily fired for a few months. We had no choice but to file bankruptcy just to  save our home and have a place to live. At that time we had 2 trucks and had to let one go in hopes of the truck we were allowed to keep would make us enough money to recoup all that we had lost when times got better.

In October of 2018 we found a driver and company to lease our truck on with and things were going well until that day, April 26, 2018, that day was the day that all truck owner dread. My driver called telling me the truck was blowing a huge amount of oil which meant there was an engine problem.

I instructed him to take it to the shop and a few hours later I received a call tell me the truck required a major repair; a cracked cylinder head which would cost any where from $7000 to $15,000 to repair. Here is were my nightmare begins.

My mechanic informed me that he would not be able to get the truck fixed for at least 3 to 4 weeks. Not wanting to lose my driver and the company we contracted on with we decided to just buy another truck to put my driver in and get him back to work ASAP. It didn’t go as plan. I found a truck located in San Antonio, Texas some six hours from where I live but I was desperate.

This man name Armando had a truck for sale for $20,000. I called him and explained my situation with my truck being down and was looking to buy a truck to get my driver back to work and earn the money we would need to get the other truck fixed since we had a 3 to 4 weeks to wait before it could get repaired.

Armando assured me the truck he was selling was a work ready truck and the only thing that was wrong with the truck was that it idled rough when it first started but when it warmed up everything was ok.

My husband test drove it and it seemed ok after it warmed up the rough idling went away. The air blew cool. The truck drove ok. Everything checked out as far as he could see and hear. Armando agreed to reduce his price to $17,000 all the money I had in this world. We thought everything was going to be okay but, Armando lied about the truck and we found out shortly after finalizing the purchase. On the way home the truck was not sounding right, there was a knock in the rear end.

The next day I called him after taking it to our regular mechanic and discovered the truck needed some major repairs before it could actually get to work. I called and told Armando that the truck was not in work ready condition that he claimed and that I needed him to make it right by at least helping me pay for the repairs and he basically told me it was my problem now.

Because this purchase was a private sale I have no legal recourse. I bought a junkyard truck and it has ruined me financially.

Since then I have put an additional $18,000 plus that I didn’t have using my house notes, pawning my valuables and asking people to fix the truck on credit. I have a total investment of $36,000 and counting. And it gets worst, the truck broke down July 29th this time in Oklahoma City, Oklahoma some 5 hours away from me and the owner of the shop that we had to tow the truck to told me that I have to put another estimated $13,000 because although I did a top end overhaul on the engine the bottom end has to be done too and that I may have to get a new turbo which will be another $3500. We have to do something fast.

My husband has been working long hours; sometimes seven days a week trying to get us out of this hole we are in and there is just no way to make the money we need in this short timeframe we are working with.

I need a total of $30,000 to $40,000 to get out of this hole this man has threw us in and I don’t have any means of getting it because I’m in bankruptcy so no one will extent me credit. I’m 3 house payments behind on my mortgage and its just a matter of time I will be facing foreclosure.

I have asked family and friends and everyone has pretty much said I’m sorry you are going though this but I can’t help you.

I’m really not looking for a hand out, I’m just in need of raising the money to get both trucks fixed and get my drivers back to work. I am willing to pay every dime back once I got everything back on track. The money is there to be made I just can’t make it with both trucks down at the same time.

Please send what you can to help with your name and address so I can pay you back to  paypal.me/thismandestroyedme 

Here are a few of the receipts that I have paid out so far to fix this truck and I still need thousands more. This man Armando really scammed me big time. There should be a law against this, but I can’t even afford to sue him if there were.

Thank you for your compassion and any help you can provide. I am truly grateful.

Heartbroken and Devastated,

Sharon

Mine is the story of addiction, not necessarily meth,  and getting help. I tried to quit smoking last year and took Chantix. It made me smoke more so I quit that. Suddenly, I had the urge to buy things…ALOT of things. I was buying so many things that it was Christmas at my mailbox for over 8 months. I have a shopping addiction. Because of that, I have got behind on all my bills, my credit cards are maxed out and I’ve lost my job because of the Panic disorder I have when I try to leave my house. That started last month, the not being able to leave my house without a full blown panic attack. I’ve seen 3 doctors under severe duress and they just want to pump me full of pills. I don’t want that, I want a behavioral therapy. I see another doctor next week and I hope to get what I need then. But I can’t pay my bills now. I’ve been trying to sell all the things I’ve bought, but it’s slow sell. I’m starting a blog about my journey where I will set up a store to sell things and hopefully provide guidance for fellow addicts. Addiction comes in all forms, whether it be substance, or shopping, its all relative. Please help me support myself while I go on this journey. All donations will be accepted.

MethAndCandy.com

My house is almost half payed off and I don’t want to lose it. I put the money I make from selling stuff on my electric and other bills.

Thank you for your support!

Hello.

Let me start off by saying this is one of the hardest things I have ever had to do in my life. I never ask for anything, (even a shoulder to cry on,) and in doing so I have lost my entire life, almost everything I own, and friends/family have all walked away.

This isn’t going to be a short story, and I apologize in advance. I couldn’t make any of this up if I tried, so please bear with me. I will try to keep it to the essentials.

It all started in 2016. For most of the year I was on and off again sick, (more than usual, as I have lupus.) Sept I took a turn for the worse, & in early Dec, doctors found a mass. Dec 21st, my husband of 18 years left. Abandoned me and our son, middle of winter in Utah, & unable to work due to my health. My son dropped out and got a job. I had surgery (partial hysterectomy + removed mass) on Feb 28th. 2 weeks later I got a job and worked 16 hour days, at the little gas station down the road, just to make ends meet. We were doing okay at that point, caught up from the 2 months before, and settling in to our new life…

work-sleep-repeat.

The divorce was at mid point in Apr, when he decided to move back. We would only find out less than a month later he only wanted the tax money, he was gone shortly after. Divorce was final in June, which is around the same time I had met someone. It’s also about the same time everything started to crumble. He had a good job with the family business, and I blindly put my trust in him when my Lupus flared up. He promised we would be okay if I took a couple weeks off to rest and find a less stressful job. It took a month. But it was okay, we were making it, but not by much, thanks in part to a drug habit (him) that I was just finding out about. I started the new job on the last day of Aug. It was awesome. I loved it. I had been waiting for months for child support/alimony to kick in, and we fell further behind. I was working to make just enough for the house payment, while his money went to his habit, and dinner every night.

I received 2, ( I think) payments, after having the ex garnished, and Nov 27th our whole world can crashing down. For reasons unknown to anyone, my son’s father, the man I spent half of my life with, killed himself. We did what we could, to raise as much money as we could, to cremate him. Coming up short, his boss covered the rest. My son, just short of 18, went into a downward spiral. I wasn’t to far behind. Depression and anxiety took hold (I suffer chronically), he lost his job and I struggled to keep going, as my relationship was being strained by everything happening around us, PLUS his addiction. The supplimental income that was supposed to help me get back on me feet after being abandoned, having surgery, and getting back into the workforce… Gone. Leaving me further behind financially. The holidays were non-existant, and for the next couple months everything just got worse. One fully unemployed, one working less hours due to winter weather, everything was falling on me. I had missed a bit of work, (Lupus strikes again) and they really couldn’t let me take any more time. I lost my job, just 1 month after I had to get a car, (my $350 beater died.) But the up side was that I could drive for Lyft and Uber. It seemed like we had a shot. Bills all 2+ months behind, house payment just as far. But I had hope.

I wasn’t making as much as I was before. But I kept pushing forward. The steering system went out, while i was driving, and I was in a small accident. I spent 2 weeks pulling junk yard donors apart, putting mine back together, all for a fraction of the cost, which I had to borrow from my dad. By the time I got back on the road to work, it was finally too much. I was working to put gas in. Gas ran out, I couldn’t work to get more gas money, we sold or pawned every last thing of value we had just to eat some days.

The man I am buying the house from (private holding) had lost patience, and we decided forclosure would be best. My plan was to get back on top before the 3 months had come.

On Apr 1st, in a spur of the moment, everyone seemed happy for a bit, crazy day, I married him. I believed the promises of recovery, and thought he really wanted to get better. I was wrong. After months of basically ZERO financial support, piggybacking for free, and leaving everytime the money ran out… he left when I confronted him. For months he would come and go. Show up when there was something to take, make promises to come up with more money if he just spent the little we did have. “Get dinner tonight with the phone bill money, and Friday I’ll give you enough for the phone bill AND the water.” Always leaving us worse off than when he showed up, and always made sure to be gone again, before HIS money showed up.

But there was good news, I had someone to buy the house. I would even get to walk away with enough to catch up all the bills,  buy a small camper, pay 6 months of space rent and have a little time to recharge before trying this again.

I packed most of what I wanted to take, sold appliances, fridge, stove, furniture, because that what you do… You know?

The call came last week that the buyer backed out.

There’s nothing left to fight for. I tried so hard…

To fail

The house is bare and empty, back in foreclosure, or to sit on the market waiting to sell. No fridge, no stove. Car is getting repossessed this week. I cant drive it anyway without insurance. Disconnect notices are here.

I can’t even put what little bit I want and have left into storage.

As long as that story is, there’s parts in the middle, that got left out… for the sake of taking up any more space in this little box.

Im not sure how I found this site, and honestly I’ve lost all hope. I have no expectations.

I don’t know what to ask for. Everything is so far gone. Nothing is salvageable. At this point I’d be happy to eat more than once every couple of days. We have no where to go, no family here. Headed to the streets.

Anything helps. I don’t want to put a number on a plan then come up short again, only to have lost what I could have used for another plan.

If I could come up with enough for a small camper to sleep in, and a decent little car to pull it around… It’s a good place to start.

Having transportation to be able to work is the highest priority.

So I’ll drop the link here. If you made it all the way to this point, I am already grateful. Anything more is a blessing.

https://www.paypal.me/cssandoval

Hello all.

My name is Jordan and I am a 27 year old single mother to a beautiful 10 year old little girl. I recently purchased my first home in another state from which I had lived my entire life. I thought I had it figured out and was ready for this step in my life. However, life had other plans. In the span of a few months my daughters father left us, I became the caretaker of my handicapped uncle, and struggled to find work and then lost my job. I am not one to ask for help but I have no family here and the family I have back home are not in a position to help. I believe I am a decent person and I work hard to provide for my family and make the most of our lives. I dont know what we will do if I lose my home. We have no place to go.

I am going to school full time for business and I have to admit struggled with time management and juggling all of my responsibilities. I have made some poor choices and maybe not always done the smartest or most responsible thing. Moving here was our chance to start over. To build a new life for me and her. I realize there is never a redo in life but this is the closest we were going to come. She loves it here. She had made friends and is thriving in her new school. It is a much better school than we could have gotten her in to back home. So here I am swallowing my pride and counting on the kindness of strangers.

My home is in Foreclosure with a June 7th sale date. I got a denial from the Arizona department of Housing but appealed the denial. I talked to them yesterday and they told me they are currently the only foreclosure program left and they are going to try and work something out but i will have to come up with $5,000 to bring to the closing table. I owe to much on the house in order to qualify for the program I need to owe less than $93,000. They have certain guidelines they must follow and for me to meet all the program requirements I need to bring the balance down under $93,000 to qualify. I was told that since my mortgage company will not accept funds I can bring money to the title company at closing. I have $2,000 saved up so I need to come up with $3000 in one month (it might as well be a million dollars) I lost my job of 12 years because the department I was in relocated, I have not been able to find a job and am currently on unemployment. This program will bring my Mortgage current and pay part of my mortgage payment until I get a job but I don’t have the money needed to qualify. Please help if you can, every little bit helps and I have no one to help me. I have a modest home, it is nothing fancy but I don’t want to lose it, if I lose my home I will be homeless because I have no where to go. I can’t get a loan, I have scrimped and scrapped to save up the $2,000 I have but that is not enough and I am running out of time. Thank you in advance and God bless you.

Due to a series of bad decisions and trying to help others in desperate need, I now find myself in danger of losing my home. I have tried for the past several years to help my 79 year old mom with her bills after my dad passed away from leukemia and left her with little life insurance. He had accident insurance and it wasn’t valid in this case. I don’t want her to have to worry at her age so I have been paying many of her bills. Now my own mortgage is behind and I’m facing foreclosure if I don’t come up with $16,000. I have tried to get a modification but it was denied.  I know I can get back on track with this help. I am a hard worker and care about others. I do not want my mom to know of my problem because I don’t want her to feel guilty in any way. I want to prove that I can take care of myself and still help others. She had a stroke, has rhuematoid arthritis, is diabetic and is hard of hearng. The stress of this is killing me. I have been getting migraines and stomach pains. I don’t have any friends or family to turn to. It is also very embarrassing to know that this is completely my own fault and expect people to feel sorry for me. I just don’t know where to turn anymore. I am a firm believer that God looks graciously upon those who put others before themselves as I have tried to do. I spend of lot of time praying and this helps ease my anxiety over the situation. Saying the rosary is a great comfort. Please know that I am a good person who made a mistake and I will do whatever it takes to fix it. Any funds I get over my requested amount, I will donate to someone else in dire need. Please consider donating to help me and therefore others if possible. This is my only hope. God bless you.

I recently had to file for disability due to health issues and have fallen behind on mortgage and utilities.  Any help stopping foreclosure and catching up on utility bills will be greatly appreciated.  I do not like asking for anything but I don’t know what to do.

Thank you so much for your time and consideration.

paypal.me/desperateforhelp

Hello, this is the most embarrassing thing in the world to have to do for me. I am so use to solving my own problems, but I’m in my late 20’s and honestly hit a breaking point to where I just wanted to cry. I am buying a home with everything in my pocket and bank account. It isn’t a big home, it is actually a small mobile home and has a lot of work that needs to be done. I’m buying my home for $4,500 and reason it being so low is because it’s forclosure and need a lot of work done to it in which is why I’m asking for donations. This home was my only option next to being homeless. I’m usually a hard working person but I fell off due to not having a caring support system or anyone to help me throughout life. I feel like I’ve been alone for far to long and I know there are good, loving, caring people out there. Everything I have Learned has been sent from the man upstairs. I had no guidance throughout life, no adult training due to my parents instabilities. My grandmother taught me what she could before she passed away I actually learned quite a bit from her but she reached towards my spirituality than anything. Anything would help. I’m asking as a humble human being. I wouldn’t know how much flooring, appliances, paint, tools etc. I would need. Honestly anything would help even if it’s just half of what I’m asking for. If I could post a video of it’s condition I most definitely would.

https://www.paypal.me/Jeisherie

Hi my name is tim noland I have lived in my home since 2005 I am almost 11 month behind on my mortgage. due to lawyer fees .I have been fighting for with my wife to get custody of 3 of our grand kids ages 10 month 2 years and 5 years. to keep them out of state custody. it has been a long hard battle. we now have full permanent custody of the older 2 boys and should know about the baby girl by the 11th of this month. we have fallen behind drastically and are no facing foreclosure .me and the wife are both self employed . my wife is considered disabled and I have hurt my back in 2001 so we are limited on the amount of work we can do. I do not want to ask for assistance but feel I have too. We have put are savings and mortgage payments into keeping these kids together and just need help to catch back up and keep our home from getting foreclosed on. They are wonderful kids and grew up getting scream at living in a room with a mom that lived in filth. confined to there room 90 percent of the day. once we get caught up on the mortgage we can maintain it. We just need the help to get caught up .we have been receiving foreclosure letters in the mail. I did not intend to start over raising kids again .But I’m sure anyone would do the same things to keep there grand kids safe. I hope You can find it in your heart to help us out of this bind we are in.

paypal.me/tnoland881

Hello, my name is Luke and my significant other of 12 years name is Dawn. We are 54 & 53 respectively our children are grown and my adopting parents are deceased and hers live in England, their last base in a life long Air Force career. The home we live in has been in the family for around 70 years give or take and through the grace of God we somehow paid the mortgage off a few years ago. Dawn worked for the State Senate for 27 years before having some mental issues causing the end of her career without retirement and the way the system was set up she receives no income at all. She has maintained a few waitressing and cleaning jobs when we have transportation as for myself I was involved in a near fatal accident allowing the perfect opportunity for my business partner to embezel and literally steal my Company from me. I currently receive an income for disability. We have tried to make payment arrangements for our property taxes but we have not been able to save enough for the minimum starting amount. At this point a Company or entity has paid our taxes and we are responsible to pay them for the back taxes or we will lose our home and be homeless. I have no idea how this got away from us but I am absolutely terrified. It is also so important to maintain a home for Dawn in case something happens to me, see she has MPD, if you are familiar then you will understand, I wake up with an 8 year old little girl 4-5 nights or more a week, so this is so terrifying. The amount sold or bought was $3201.54 and this year’ amount is $938.50. We can probably handle this year’ if we could get the delinquent sold amount caught up. We are scared and have poor credit and the house is in severe need of repairs so a loan is out of the question. We dont know where to turn, I found this site and am hoping that it is a blessing from God. I am not sure what else to say but please feel free to email me for copies of any and all correspondence with the Treasurer or to answer any questions you may have. We thank all of you for tour consideration and  hope that all of you are blessed for your kindness, Respectfully, Luke & Dawn

I have been in a wheelchair all my 55 years. I have Osteogenisis Imperfecta, or brittle bones. With breaking over 1 thousand bones, my body is always in severe pain. Weather extremes are the worst. I live alone and can take care of myself.

Last 13Oct 17 my mother died unexpectedly, leaving me in our reverse mortgage home. We bought it in 1969, right after I turned 7. I have done everything Financial Freedom has asked me to do. They kept telling me I could stay. Well about 2 weeks ago I found out, I lost. The house will be sold at a foreclosure auction on 11 Dec 17. And I will be forced to move into my car. I’ve been applying for very low income housing for the past 5 years,  after my separation.  They aren’t available. I’m still on many waiting lists.

I would really like to be able to stay in our family home. Having to get rid of her fur babys, all my flowers, and yard, Ive worked so hard on, is draining my little strenght.

The house isn’t much. It was bought for $13,500. She got the reverse mortgage in April 2006. I can buy it for 95% of what its appraised at. But I don’t know how much that is, or how to find out. The balanced owed is $178,000. I tried getting a loan to buy it, but I have NO credit score. Also living on about $896. per month is hard. The lady at Quickin said it was probably worth between $50-100 thousand, as its had no upgrades since we bought it.

If there is anyone, that would be interested in buying it as a tax write off? or purchasing it only I turn 62,(2-2024) and can get my own reverse on it? Any and all ideas would be most helpful. Happy Holidays and Thank You

Please help my family.  We are in the process of foreclosure on our home. We are a 1 income with 3 kids.  My husband is working 7 days a week and trying so very hard to pay our bills keep food on the table and and have clothes for our children. We have tried selling our things but nothing is amounting to our mortgage.  We owe them 5 thousands dollars as of the first. We are receiving lawyers papers.  Please any little bit will help. Plus Christmas is coming very soon and we might not have a home the we have been in since 2001. Please help my family.

http://paypal.me/SammieN

At 26, my life changed in the worst way I could imagine. I woke up to the phone call that my husband had passed away. Disbelief, fear, the feeling of your heart shattering into a million pieces which can be felt throughout every single part of you. My first thoughts was how would I tell my children? My son was 6, & my daughter was 4. Who will walk her down the isle? Who will take him fishing? Who will keep us safe in this crazy world? My second thought was that I am a believer in all things good…Instantly the Bible verse came to my head “For where two or three come together in my name, I am there with them.” So I called a friend & I prayed. I prayed fiercely, I prayed hard, as a person who believes anything is possible with God, I thought surely this would bring my husband back. Unfortunately it didn’t. The day after we buried him & I had to hold my kicking, screaming 4 year old from trying to go with the casket, I felt very nauseous upon waking that morning. Not any kind of nauseous, the nauseous a woman feels when she knows her body isn’t the same. I was pregnant. The emotions were almost overwhelming. Joy, excitement, fear, nervous, & sad that this sweet angel would never meet his/her Dad.

A few weeks later I was bleeding, & rushed to the doctor only to find out that this baby had gone to be with their dad in heaven. Just as I didn’t know how I would make it through 1 devastating loss, the enemy now put another grueling loss on my shoulders. The past year has been a struggle to keep going, but my 2 sweet babies give me the strength to get out of bed each day.

My job gave me 7 paid days off when my husband passed. I went back for a few weeks until the loss of my child I was pregnant with. At that point I had no more time off to take, but I knew I needed to be at home helping my children get through the struggles they were facing each day as they longed for their Dad. My son begged to be home school as he unfairly fought depression & anxiety at just 6 years old. I was off a total of 4 months before I started working again. During those 4 months I tried refinancing my home through my mortgage company Chase, N.A Bank. As most of y’all know, during the Home modification process you don’t make any payments until the process is complete. At which time if approved, they often add the amount you have missed to the principal & start your lower monthly payments once the process is complete. I was sure I would be approved due to my hardship in losing the primary Bread winner of the household.  Chase sent me a denial letter 2 months ago in which they did not give me a reason other than saying I didn’t meet the qualifications. I make enough in my current 2 jobs to pay my monthly mortgage until I can get it lowered, but Chase has recently put my home into foreclosure unless I pay the 4 months payments I missed in a one time reinstatement fee due within 30 days, as I must pay before the auction sale of my home. I’m embarrassed that I would ever end up in a situation where I wasn’t sure that I would even be able to keep the roof over my kids head. Any help would be greatly appreciated. Grief is such an overwhelming feeling that demands to be felt, & I pray for anyone else who has lost someone far before their time to go. God bless.

paypal.me/Akk1928

I worked all my life supporting my family. I worked for the military as a civilian teaching the soldiers how to cook. On October 3, 2008 me and a co-worker we’re getting food ready. We went to the walk in and lifted a large pan of fries about 250 lbs or so. While lifting I felt a warm feeling run down my back and I could not stand back up straight. So I went to the doctors and I had  herniated disks in my back. Well as years went on my back started to deteriorate problems with shooting pains down my legs and my feet are numb. Then problems started with my neck and arms. This point in time I can’t provide for my family and have depression and anxiety. My wife had to start working. We were doing good until my wife was at work and bent over to pick up a chair to sweep the floor and she fell to the floor in pain. She had herniated her discs and has to have them removed and spacers put in and a cage around them. Me on the other hand they can’t do anything cause my spine isn’t straight. I use to get comp till I become  permanently disabled and had to take a settlement. Which wasn’t much. I been trying to get social security but keep getting denied. So right now we are living off my wife’s comp which is $586 bi weekly. We have 3 boys 19 18 17 we have to support. Plus a few other kids who stay with us. We usually help troubled kids and now we are in the need of help.we could lose everything I had worked hard for.  Anything would be great. Thank you for your time. Love u all paypal.me/ekimobet

I am facing foreclosure on my home and being put out on the streets. I was fortunate enough to get my home on an article of agreement but my health has been going on a downward spiral over the last year making it very difficult for me to work. I am now six months behind on my payments. I had some money saved up for this reason but due to other bills have had to use that money. I have done some part time work but have been unable to keep up with my house payment. I am in desperate need for help. I have two children and if we lose our home, we literally have no where to go. I have tried local charities and organizations but everyone in my area is out of funding.Please help me keep a roof over our heads. ? Thank you and God bless.

Paypal.me/shanelee79

The PayPal shows my business name as s and f ecycle as that is how i have my account set up I guess.