My name is Dan Olsen and I’ve been struggling with major depression and anxiety for 10+ years and it’s only been getting worse. Really don’t know how I’ve made it this far as I am 32 years old now. I think a lot of it stems down from my up bringing. This is were I think it’s best to start. When I was born I got stuck inside my mother while she was giving birth to me, and doctors had to perform an emergency c-section. When the doctors administered the anesthesia my mother she was almost killed due to the fact that the oxygen for the inhaled anesthesia never turned on and she flat lined while I was still inside her. Somehow they managed to bring her back to life and get me out but I wasn’t breathing and my mother was now in a coma. they eventually got me breathing and had to be put in a incubator for the first 3 months or so of my life. My mother wasn’t so lucky, she was in a coma and doctors feared she might die. By some miracle she woke from her coma 2 month’s later but now has permanent brain damage and short term memory loss, it kills me inside everyday to know I can’t do anything to help her get better and give her a normal life. She turned 63 this year and lives in an elderly care living facility the next town over, so I don’t get to see her much due to the fact of being broke, and in debt without proper means of transportation to go see her. I do talk to her on the phone and video chat but it’s just not the same.

I was lucky enough to have two loving grandparents that raised me in their home, our father was never there, so they decide to take on the role of my parents while also taking care of my mother and fraternal twin brother. At a very young age I struggled in school, I got held back a year in kindergarten, even with tutors to help me I didn’t advance as quickly as the other children. I had terrible anger issues, ADHD, trouble making friends, acting out, eventually was kicked out of school in first grade. At my next school I still struggled with the same issues and was brought to multiple psychiatrist who just put me on Zoloft but I still struggled all the same and was in special education all through Elementary School.

Love my grandparents very much but it takes a toll on a young kid mentally when your grandfather is verbally and a physically abusive drunk. He could be nice at times but as soon as he started drinking literally every night the worst would come out of him, calling my brother and I piss ants, and little bastards, little shits, fucking bastards, all while he would walk past our room to refill his glass with another Vodka Martini over and over until he was drunk enough to pass out and go to bed. I knew just about every swear word in the book by the time I was 8 years old. My grandmother and mother would here it too but what could they do.

Middle school and high school was not much different than elementary school except the fact that I wasn’t on medication or seeing psychiatrist anymore. Still needed a lot of tutoring and made it through to the next grade with good enough grades to get by to the next one. Eventually graduating not knowing what to do with my life. Starting working this job or that dead end job only to be let go or fired. all the while my mental health just kept getting worse and feeling worthless and not good enough. Back taking medications but they don’t really help too much. I feel like I’m on my last leg and getting worse by the day. Don’t have any family to help me as my Grandparents are dead and that’s all I ever really had to help me. I miss them more and more everyday at times I think I’d be better off dead, I’ll just be one less burden in this cruel world we live in.

I’m now in a lot of debt to the IRS around $4000, the bank loan on my house around $18’000, behind on property taxes, and utilities doesn’t help either. I live in Wisconsin, and Winter is here. The anxiety and depression is gotten so bad I can’t even hardly be out in public anymore unless I absolutely have to be, like to get medications or food. I only can get those things because I’m now on food benefits from the state, and healthcare benefits from the state. I’m only one late payment away before the bank starts a foreclosure on my home. Please if anyone can find it in their heart to help a poor soul like me please help.

Thank you for taking the time to read this, God bless you.

paypal.me/Lacoste275

I’ve made a mistake. I’m not going to make an excuse for it. It was incredibly stupid and it’s deservedly cost me a great deal. I can’t practice in the profession I went to school for and I will never be able to. I’ve accepted that. I whole heatedly believe I deserve it. I’ve made what amends I could in this situation and I’ve moved on to the best of my ability. I’m not looking for sympathy or complaining about the cards I basically dealt myself in life. The thing I can’t accept, the part of the whole situation that isn’t fair is how it’s going to have a devastating affect on my mother. My mother who has always done the best to make sure I was taken care of. My mother who raised me to be a far better person than I turned out to be. My mother who kept it together when my father died at just 47 years old. My mother who made sure I still had the opportunity to go to college. My mother who is my best friend and my everything is facing losing her home. The home she and my father bought and paid for together because of my mistake. You see when my father died, his family insisted that my mother open a succession. This simple request all those years ago has come back to haunt every moment of my life right now. My father’s succession gave me (only 17 years old at the time) interest in the house. Half of it became mines. It was always just a thing on paper. It wasn’t something I gave a second thought about. Years later (almost 15 to be exact) I made a mistake. I was sued. I wasn’t completely aware of the ins and outs of the legal system. I had no idea that if I didn’t respond to the lawsuit I wouldn’t just get a court date. That’s what I thought would happen. Instead I learned in an extreme version of the hard way that something called a judgement of default exists. A judgement of default means no judge looks over the case, there is no court date, it’s just taken as a complete acceptance of fault. This is where my nightmare began. Don’t misunderstand. I did call a handful of lawyers when I got the original papers and because I live in a rural area I couldn’t even find one to take me on. I’m not sure I would have had the money to do much but, I would have done something had I known. About a year after my fate was already sealed (unbeknownst to me) I received a letter hand delivered by the police department giving me a court date, not to plead my case but to be judged as a debtor. I called lawyers again and did find someone who could at least look over the papers and tell me what they meant. I met with what is now my lawyer and he explained to me what had happened and told me that I needed to go meet with the lawyer who sent this paper. Because at the time I thought I didn’t own anything my lawyer told me it would be fine. I just needed to explain to them that I take care of my mom and I have no income currently. I went to the court date and the other lawyer was very nice to me. I answered all his questions and I cried more than I should have and at the end he said he would talk to my lawyer to see if we could work out a post judgement settlement. I thought this was a great idea. I honestly wanted the whole thing over and done with. About a week later I was informed the settlement was $71,000.00. I cried. My mom and I talked and we decided with the help of my husband we would refinance my mom’s house. That way everything could be taken care of and my husband and I could just pay the note and everything would be fine. We went through all of the paperwork and the back and forth and ended up with a non-qm mortgage loan. I didn’t have credit almost at all and my husband’s credit wasn’t the best. The note was going to be $800 a month. High but it was doable. Everything was going to be okay. We presented everything to the opposing lawyer and they agreed to give us time to get things done. We were set to close our loan on April 6th. I couldn’t wait. I paid for the new home insurance policy and my requested the 6th off my lawyer knew when we were closing. April 3rd my mortgage officer called and said she had bad news. My mortgage officer was pulling out of non-qm loans. COVID-19 was effecting the stock market too much. My closing wouldn’t go through. I would need to bring up our credit scores and as soon as Louisianan would go back into phase 3 they would come back. At the time she said we’d probably close by the end of the summer. It’s September and they have not gotten in to phase 3. Angel Oak still isn’t doing non-qm loans and I got the call that if I don’t come up with the money by October 14th. My mother will lose her home. This is all my fault. For her part my mom has been calm and reassuring as I continue to lose hope. I’ve never done anything like this before. This has been the absolute most humbling experience of my life. I never in my life thought I’d be in this position. I’ve completely run out of options. I can’t just let my mom be punished for something I did. Please, if there’s anyone out there that could help me or more importantly help my mom please please do. There’s no thank you that would ever be enough.

paypal.me/clcjustme

Hello my name is Jodie. I am a 40 year old single mama to 3 boys. My boys are 14, 12, and 9. We reside in a small town in Northeast PA. Four years ago my 16 year marriage came to a screeching halt when I discovered that my then husband was having an affair and his mistress was pregnant with his child. My kids needed me, they needed consistency, something/someone they could depend on. The job I had at the time did not allow me to be what my boys needed, so I quit. I now work for myself, able to set my schedule around that of my kids.

     I’m here asking for financial help because I have exhausted all other options and due to Covid-19 and being deemed non-essential, I’m on the verge of losing everything. I have depleted my savings account, I have had zero cash flow since March 13. I filed my 2019 taxes on February 23. The IRS website says they are still processing my return and I will get a Direct Deposit date when available. When I check the status of my stimulus, it says at the current time they can’t determine if I am eligible for the payment. Basically, until my return is processed they are unsure of eligibility. Last Saturday, April 18, PA finally opened the temporary unemployment portal for the self employed. I filed and my claim was accepted and payments will be retroactive, but they will not be disbursed for another 6-8 weeks. I have no money right now, absolutely zero. I can’t afford groceries for my kids. I’m in danger of losing our home. Since I file w/ 1099 misc not a W-2, Chase bank requires my tax transcripts to restructure. My transcripts won’t be available until my refund is processed. The IRS can’t be reached to answer questions at this time. I reached out to Senator Toomey who put me in touch with a tax advocate, who is taking on my case but told me with staff shortages it will be at least a couple weeks until any real progress is made. 

     I’m at such a loss. I feel forgotten. I am at the end of my rope and I’m scared. I’m physically sick and cry all the time. I work hard. I have my whole life. I support my children. I need help and I can’t find any. I beg of anyone who happens to read this,if you can, please help myself and my children. I don’t want my boys to lose more than they already have, but I don’t know how to stop it. This is my Hail Mary, and from the bottom of my heart, I thank anybody who reads this and does what they can to help….from prayers to monetary donations….My boys and I are eternally grateful!

paypal.me/jlfjmo