Over the last six years our family has suffered quite a bit financially.  Starting with Our son who was born prematurely and has endured lung difficulty since birth. He is chronically sick with Pneumonia, Rsv and respiratory issues.  He is hospitalized at least once if not twice a year usually lasting 10-14 days. Which in turn causes issue with working and care for our other children. I do side freelance work when I can due to the demanding schedule of having children and not being able to afford daycare for our littles who are not in school. Also my mother in  law who has dementia is part of our daily routine to help her as much as possible.  We are facing foreclosure as well.

My husband has worked his behind off as a delivery driver, picking up extra shifts, late nights and once the pandemic came, they cut his hours, then started giving overtime again, then cut them again but the truth is, bills just kept pilling up. One after the other. We are a large family. There are 7 children under 18, plus myself and husband.  We are at a stage where we are going every route possible to make ends meet. He has a new job as a cleaner for a school district, on a waiting list for a full time position. He is part time now with full time hours but they do not pay well until he is made full time which will not be until November or December 2022. He would give his shirt off his back to help someone in need.

We ae facing repossession on our car ( we are a one car family due to tying to save  money anywhere we can). We are up for termination on our utilities and although we have applied for state aid, it takes time, paperwork and the utility company does not care. We are doing the best we can but have fallen behind and it has come to a point where we have zero family help and are in need of a miracle. The good thing is that there is a light at the end of the tunnel. It is just a matter of getting there.

Our son is on a c-pap machine, which is not considered a life saving necessity so our utility company will not work with us. Payment plans they have offered are not realistic. If I had $8,000.00 I would not have been unable to make payments. I also would have paid it off. So giving me 24-48 hours to get that amount is no where near doable.

This is affecting everyday life at this point. I worry when and where they will take our car, I worry when they shut our electric off what do I do for our kids. I’ve tried making payment arrangements, requesting it be added to the end of the loan this way it gives us a month or two to come up with the money. But, no help is coming.

I am discouraged, my husband is way over worked and underpaid. We are just getting by with food for the kids and I am just mentally stressed and exhausted.

Any kind of help would go a long way with the bills and I would be grateful beyond measure. I believe wholeheartedly in paying it forward and anytime I’ve had the opportunity that is exactly what I do. We have never asked for help. Worked multiple jobs at a time to do what needs to be done, but after this pandemic, medical issues, and family that has and still needs help, we just don’t know where to turn to.

Thank you for taking the time to read this. I wish you all the best, god bless.

https://paypal.me/billhelpme?country.x=US&locale.x=en_US

I am 43 y/o divorced after 17 ½ years of marriage and in a shitstorm of debt and I don’t know what to do. I filed for CH13 bankruptcy on Fri, but it seems selling the house is my only option. I know how I ended up here and I am not proud of my situation. My opinion is this could’ve all been avoided had there been accessible counseling for lower income families – specifically, sexual abuse.

I have trauma in my past, multiple sexual abuse. I am not a victim nor do I have a victim mentality; however, the unprocessed trauma did manifest itself in many negative ways and for many years I had the victim mentality.

I was sexually abused as a very young child. I didn’t talk about it and I wasn’t questioned. The first introduction to alcohol, it immediately numbed and detached me, even for a moment, from the negative feelings and behaviors attached to trauma. Alcohol became my companion, my shoulder to cry on…I became dependent.

You can only imagine what happened with my first experience of attention from a male. With the past unspoken sexual abuse + alcohol + hormones…I went through many difficult experiences to include rape. I had a child at a young age, age of 21. That pregnancy was not easy – I was forced, taken against my will to an abortion clinic for an abortion. I was able to pay them off, lie to him and I now have my 22 y/o daughter. My daughter saved my life. Had it not been for her, I would’ve continued down the same path and God only knows if I would be alive today. She gave me the will and discipline to progress. I enrolled in a university and earned my Bachelors degree in Human Resources and Management.

I married and began to talk about my traumas. In my marriage my traumas were thrown back at me and, in knowing what I know now, that was a huge red flag. The marriage got progressively worse were I was told how to commit suicide, many many times – its called “bullying to suicide.” I knew we were not good for each other, we enabled each other and our lifestyle put my life at risk. In 2010 I flat-lined/coded blue during a surgery and I was in ICU for a week, needed a full transfusion and resulted with a hysterectomy. Until recently I was honest in saying I was in that medical predicament because of my drinking. He encouraged me to drink till the end, took me to my favorite restaurants and ensured the alcohol flow. In the end, the decision was mine, but in fairness to myself and my healing, I was grossly being manipulated, guided, used and abused.

Not everything about my marriage was/is bad. I now have a 14 y/o daughter who is beautiful and hilarious. She is pure heart and has made over 50 pairs of earings in her attempt to help me get out of debt…the pureness of a child.

During the onset of COVID, I found my worth, I began to put myself 1st and that rattled people, to include my ex. I spoke about sobriety, as I did thousands of other times, but this time…I acted on my words and began to cut down on my drinking. I put an end to the verbal abuse and demands. An act that “broke the camels back” and my new found self worth gave me the strength to ask him to leave and told him our marriage was over.

Now I understand why a cool period is recommended. I allowed him to file for divorce because his family perception meant a lot to him. I went through a phase of “I will do right by God, give him what he wants, God will repay me tenfold” forgiveness type of mindframe and got royally screwed in the divorce. He kept everything paid for, I kept everything owed for, w/ half the income I simply let my pride get the best of me didn’t ask for help and now I feel it may be too late because God hasn’t “paid anything tenfold.” Not rhat I actually was dependent on that, but for some reason did beleive good things would come my way.

Moving forward to the present, I am stuck. In the marriage I put him first: I completed his online degree for him. I wrote all his Army REB’s when we was in trouble and I was able to get him out on a normal ETS rather than a chapter through my documentation. Through the education I completed for him, the resume I created, the USAJOBS account I created, I was able to obtain him Federal employment. In that employment, through my documentation and packet completion, I was able to get him medically retired…other than physically being seen by the doctors, I did the leg work. Exact same situation with his VA benefits. Here I am, stuck, stagnant unable to do any form of self progression because now I can’t afford it and I am in debt past and beyond my eyeballs. I feels used and extremely stupid, but that gets me nothing and nowhere.

I am now sober with no desire to ever drink again. I have a new found spirituality and I continue to digest those past traumas. I feel lost and don’t even know how I came across this. I am not asking for handouts. I am asking for remote employment, guidance, advice…I am desperate, but still have my dignity, moral and ethical cognition; therefore, onlyfans is not at option for me yet (I try to find humor).

I am employed in the mental health industry. I was placed in this department without the proper education or degree. That added to the alcoholism, depression, anxiety and insomnia. I still suffer from all of that, but now it’s more of a detachment and numbness…I just learned to cope. I do the job of licensed social workers and psychologist for minimal pay. My city is not known for well paying jobs. I am willing to work weekends and evenings.

My past characteristics were all associated to an adult with unresolved traumas. I am asking for another chance, God knows I’ve learned my lessons. Selling this house was my last option as displacing my daughters was my last resort, but new beginnings are welcome. I am no longer a people pleaser. I am aware and free of my past.

Again, I work in mental health and can do remote life coaching or can work many other remote jobs. If you have employment, guidance, suggestions and or even a quarter to spare, I pray this reaches 1 person that may lead me.

 

With full sincerity,

Ana J

 

Paypal: @OPnC915

Opnc915@gmail.com

 

I am 43 y/o divorced after 17 ½ years of marriage and in a shitstorm of debt and I don’t know what to do. I filed for CH13 bankruptcy on Fri, but it seems selling the house is my only option. I know how I ended up here and I am not proud of my situation. My opinion is this could’ve all been avoided had there been accessible counseling for lower income families.

 

I have trauma in my past, multiple sexual abuse. I am not a victim nor do I have a victim mentality; however, the unprocessed trauma did manifest itself in many negative ways and for many years I had the victim mentality.

 

I was sexually abused as a very young child. I didn’t talk about it and I wasn’t questioned. The first introduction to alcohol, it immediately numbed and detached me, even for a moment, from the negative feelings and behaviors attached to trauma. Alcohol became my companion, my shoulder to cry on…I became dependent.

 

You can only imagine what happened with my first experience of attention from a male. With the past unspoken sexual abuse + alcohol + hormones…I went through many difficult experiences to include rape. I had a child at a young age, age of 21. That pregnancy was not easy – I was forced, taken against my will, to an abortion clinic for an abortion. I was able to pay them off and lie to him and I now have my 22 y/o daughter. My daughter saved my life. Had it not been for her, I would’ve continued down the same path a d God only knows if I would be alive now. She gave me the will amd discipline to progress. I enrolled in a university and earned my Bachelors degree in Human Resources and Management.

 

I married and began to talk about my traumas.

In my marriage my traumas were thrown back at me and, in knowing what I know now, that was a huge red flag. The marriage got progressively worse were I was told how to commit suicide. I knew we were not good for each other, we enabled each other and our lifestyle put my life at risk. In 2010 I flat-lined/coded blue during a surgery and I was in ICU for a week, needed a full transfusion and resulted with a hysterectomy. Until recently I was honest in saying I was in that medical predicament because of my drinking. He encouraged me to drink till the end, took me to my favorite restaurants and encouraged the alcohol flow. In the end, the decision was mine, but in fairness to myself and my healing, I was grossly being manipulated, guided, used and abused.

 

Not everything about my marriage was/is bad. I now have a 14 y/o daughter who is hilarious. She is pure heart and has made over 50 pairs of earings in her attempt to help me get out of debt…the pureness of a child.

 

During the onset of COVID, I found my worth, I began to put myself 1st and that rattled people, to include my ex. I spoke about sobriety, as I did thousands of other times, but this time…I acted on my words and began to cut down on my drinking. I put an end to the verbal abuse and demands.

 

An act that “broke the camels back” and my new found self worth gave me the strength to ask him to leave and told him our marriage was over.

 

Now I understand why a cool period is recommended. I allowed him to file for divorce because his family perception meant a lot to him. I went through a phase of “I will do right by God, give him what he wants, God will repay me tenfold” forgiveness type of mindframe and got royally screwed in the divorce. He kept everything paid for, I kept everything owed for, w/ half the income I simply let my pride get the best of me didn’t ask for help and now I feel it may be too late because God hasn’t “paid anything tenfold.”

 

Even after filing for bankruptcy, I don’t make the amount to cover the monthly payment and will now have to pay an additional hour to address this with the lawyer.

 

Moving forward to the present, I am stuck. In the marriage I put him first: I completed his online degree for him. I wrote all his Army REB’s when we was in trouble and I was able to get him out on a normal ETS rather than a chapter through my documentation. Through the education I completed for him, the resume I created, the USAJOBS account I created, I was able to obtain him Federal employment. In that employment, through my documentation and packet completion, I was able to get him medically retired…other than physically being seen by the doctors, I did the leg work. Exact same situation with his VA benefits. Here I am, stuck, stagnant unable to do any form of self progression because now I can’t afford it and I am in debt past and beyond my eyeballs. I feels used and extremely stupid, but that gets me nothing and nowhere.

 

I am now sober with no desire to ever drink again. I have a new found spirituality and I continue to digest those past traumas. I feel lost and don’t even know how I came across this. I am not asking for handouts. I am asking for remote employment, guidance, advice…I am desperate, but still have my dignity, moral and ethical cognition; therefore, onlyfans is not at option for me yet (I try to find humor).

 

I am employed in the mental health industry. I was placed in this department without the proper education or degree. That added to the alcoholism, depression, anxiety and insomnia. I still suffer from all of that, but now it’s more of a detachment and numbness…I just learned to cope. I do the job of licensed social workers and psychologist for minimal pay. My city is not known for well paying jobs. I am willing to work weekends and evenings.

 

My past characteristics were all associated to an adult with unresolved traumas. I am asking for another chance, God knows I’ve learned my lessons. Selling this house was my last option as displacing my daughters was my last resort, but new beginnings are welcome. I am no longer a people pleaser. I am aware and free of my past.

 

With full sincerity,

 

Ana

 

Hello, I’m not sure how to do this and asking for help is a challenge. I have always been the one to be there to help others when they needed me. But now with my husband leaving me for a younger women and our divorce almost final I have to figure out how to do this on my own. I work but not enough hours to help pay bills. My home is sinking and the walls are beginning Crack. He left with all of our debt and honestly I’m not real sure what to do or how to go about even trying to fix anything. My home is in the works of being foreclosed on and this is all I have. I don’t have family, he was my family. I don’t have friends because he was my friend. He was my responsibility each day. I am asking for help so I don’t lose my home so I can be caught up. I’m am reaching out for the first time and asking to be shown the right direction on where I can start. Please can anyone help me from completely losing everything. I would be the most grateful and thankful. Please can someone help me? Thank you for ur time and thank you for the help.

My paypal.me link is paypal.me/LAGREEN13

I am so blessed, just not with money. I just spent one hour typing my story and I hit a miss-key and it was gone. I am visually impaired and I cannot express how I feel right now. I will begin again. I have no ideas left but to beg on this virtual street corner. I am not able-bodied enough for steady earnings. I have no savings, investments nor inheritance. I’m not a drinker, drug user nor gambler. I share a house with a relative. I need help totaling four times my income, or 40,000$. But that doesn’t include the home foreclosure, adding 110,000$. My county does not forgive school or property taxes. The defective roofing had be battling big business and I lost. I gained a hole over my head instead. For 16 months the county and state dodged my HEAP emergency pleas for help with my hot water tank and pipes. No hot water. On and on I could tell a tale of woe and it would be true.It might help you to feel that I am worthy of your help. Up until 2019, Thanksgiving, I shared expenses with my Mother; she passed on. I miss her everyday. She was my cheering section, and my rock. I had to finish up paying her obligations. Mom died from cancer, the same kind as my oldest brother, five months before. Her social security and my disability barely added up to above the poverty level for one, but we lived very simple lives. My best friend died four years ago. My other friends and one sister either cannot or will not help me and I have no other relatives here of wealth or health. I do not have the taxes overdue on this little house for the past year and this year. I cannot get loans nor HEAP to respond and I need new tube pipes and kitchen repairs and hot water. My SNAP benefits stopped December 3, due to not enough case workers to process the paperwork; I begged her on the phone. I just used all my savings on car repairs on my older car, which I get help driving after dark. Back-owed water fees are mounting. I replaced the 25 yera old fridge this summer. I am being sued by a multi-billion-dollar corporation. That ultimately stems from my Father disinheriting me thirty years ago. We were lower-middle class and often poor, but I felt rich and comfortable while growing up. I do not feel dishonored by asking for help. I recall the story of a young boy, who along with his destitute mother, were helped by the kindness of strangers. When the pair ran out of funds, the guests at the hotel where they lived in Europe took up a collection for them weekly. That little boy went on to become Harvard educated and one of my Professors forty years ago. When I read some essays on this site, I regretted that I was begging and not giving, for now. I am not a bad person, nor a fool nor lazy. I am simply a poor person. Since a series of minor strokes, I have lost my ability to think sharply and problem solve. The pressures of bad health and poverty are adding to my stress. I am disabled along my spine but worse, I am exhausted by auto-immune illness. I have Lupus, Sjogren’s, Raynaud’s, fibromyalgia, and early onset macular degeneration, the third type. Three years ago I needed emergency infusions. The oncologist discovered my bone marrow had stopped working properly;I was so weak. I want to live the rest of my life in the house I know my way around by heart, the house I grew up in, the house where I can still recall my Mom lived. The problems that money can solve are the easiest to solve–if only chronic illness could so easily be wiped away with a click of the keyboard.

Thank you for reading my story. www.paypal.me/sjwandmw

Hi, I’m Michelle, George my husband our children Robert and Jorgia. 2 dogs D.O.G, Junior and a cat named Stuart. We are asking for a hand up not hand out. We have had several large setbacks financially crippling us that started in 2018 we have not been able to get on our feet just barely keeping our heads above water and now we are drowning.
My husband owns a dump truck he is operator owner. Right know it is in the shop the rear end went out and needed to be replaced $500 to tow it there $3500 to pick it up they have had it for 2 weeks. We just picked it up from the shop 7 hours before the rear end went out and that was $2193. They had it 1 ½ weeks that time. We didn’t have the money to pick it up last time but had work lined up and they just paid in advance worked off $1200 and it broke.
My husband has been out of work for 7 weeks now because the family got covid he had covid/pneumonia and was hospitalized. He has a bad heart and the recovery has been very slow for him he still doesn’t have taste or smell either.
Hospital bills are just stacking up $40,000 since 2018 we didn’t have health insurance until this year. George was hospitalized with two stokes in 2018. 2020 and 2021 he was hospitalized with pneumonia. My daughter struggled with covid lockdown no friends school or social interaction and finally got to go to school met a friend she was mean girl and my daughter couldn’t handle it anymore and tried to take her life. She took 2 bottles of pills aspirin and Tylenol she spent 5 days in the hospital. With therapy and lots of love she is doing much better. Then I had surgery on my breast this year. So even though this year we have health insurance medical bills with interest are just growing.
This year I and my daughter were in a car accident it totaled my 2017 Pacifica van. Gentleman turned left in front of me. I had video and the D.O.T ticker showed I had right of way and they still put 50% on me 50% him I had gap insurance it paid 0% and insurance only gave me $13,000 and left me owing $3000 which is growing with interest. I had a rental for a month before a dealership finance me they let me take the car said I was financed at $511 a month over two months later we finalized docs two weeks ago price went up to $723 a month for 72 months and they added lifetime drive train warranty and gap insurance so they made money. They ran our credit so many times we couldn’t buy a stick of gum. A 2016 town and country will cost me $48000 in the end @ 26%. I still haven’t gotten my plates. Tags are two plus months expired. The police came over when I was parked in a parking lot they were very awesome and let me go without towing my van or giving me a ticket.
November 2018 lady ran the stop sign and my husband hit her in his dump truck slid through a parking lot coming to a stop in the side of a laundry mat. She only had $15,000.00 insurance for property damage. When all was said and done one year later we got a check for $2500.00 for his $40,000 dump truck had to rent one most of the next year until September when he bought a much older one for 26,000.00.
So back to current situation our house is in default they came to shut off both water and gas (our heat) we signed over our house boat for storage charges and other fees couldn’t get it sold quick enough we could either sign it over or lose it anyways and be taken to court for impound fees and attorney fees and past due storage. $40,000.00 in medical and other collections as well we don’t have a bank account they both were closed and were in the negative. When we picked our truck up last time we went and got a title loan on it to make payment s on water phone gas and groceries and it is due on the 30th high interest. My husband and I haven’t worked in 7 weeks I’ve been donating plasma I’ve gone 2 times but the first month you get 1100.00. But other than that we have used up all possible resources. I’m sure I’m forgetting g something. I’m not going to say it can’t get any worse because I’ll be proven wrong. I try to stay positive. But we are losing everything and have no were or no one to ask for help. If we could just pick up the dump truck (hopefully have no break downs for a min) it would be slow but we could pull ourselves out of this nightmare. I have a CDL and can drive until George is feeling better. I have worked lined up but can’t even scrape together to nickels to pick truck up. So please if you could please help us in our time of need it would be so appreciated and when we get on our feet we will pay it forward gladly.
Thank you.
https://paypal.me/qool73?country.x=US&locale.x=en_US

<I am a 61 year old grandmother. My daughter and 1year old grandson had to move in with me because of the pandemic in March 2020.My daughter has a learning disability and has not been able to maintain employment.I am a social worker and my job is still affected by the pandemic. I work on a Fee for Service basis. This means if I don’t see or talk to clients I dont get paid. The majority of my clients have developmental disabilities. When the Covid shutdown started I was not able to see my clients. Then telehealth was started and I was supposed to be able to call clients and still work.The problem is my clients are poor and many of them have the Obama government phone.My clients refuse to use their preloaded minutes on their phone for mental health counseling services or they dont have access to computers for zoom sessions.My take home pay is less than half of what it was prior to the pandemic.I have exhausted all my retirement money and savings to stay in my home. I am asking for help with my mortgage which is now in foreclosure.Attached is a copy of my mortgage bil. If you could find it in your heart to help me and my family I would greatly appreciate it.Please help us stay in our home. Thank you.

https://www.paypal.com/paypalme/bellablu99