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Last Updated: October 5, 2022

3 babies Mortgage relief

Hello

We are young parents of three toddlers. We are so very blessed to own a home and have healthy children. As many others, we are still financially recovering from covid. We are constantly behind on bills and have been playing catch up so much that now I am afraid we will not be able to pay our mortgage. This is the house we bought to make a home for our beautiful children. This humbling post is helping me to ask for any amount at all to put towards my mortgage and stay above water. My goal is 5,000 and I pray I am able to pay it forward one day. Thank you for reading!

https://www.paypal.com/paypalme/partyof521?country.x=US&locale.x=en_US

Filed Under: Home Foreclosure Tagged With: USA

Last Updated: September 14, 2022

Family of 4 in Desperate Need

My name is Wesley Salvas.  My wife and I and our family live in the home that the Pioneer Investments owns after foreclosure.  We’ve lived there for over 28 years

I used to own it when it was refinanced in 2011 with Taylor Whitaker, and Bean. They then sold the mortgage to Countrywide Mortgage, who then in turn sold it to Bank of America and were given an inflated real estate value loan. It was then finally sold to Carrington Mortgage, LLC.  My father was paying the mortgage up until the divorce in 2012. 

We quickly fell behind on the Mortgage due to my mother on social security and myself being unemployed.  We just couldn’t make the payments and asked for mortgage assistance. They wouldn’tcome down low enough for us to afford.

In January of 2018 we were forced to vacate the property due to malfunctioning of the furnace which led to the pipes freezing and breaking and was forced to live with relatives. We were working with the insurance company to repair the damages when COVID happened. In March of 2019 a motor vehicle drove through the first floor of the home. The city declared that the property was uninhabitable until repaired. During this time, I have applied numerous times for mortgage assistance since now I was employed. Each time was denied due to property being vacant. Repairs was then finished end of November 2019 and was able to move back in. Explained the situation to Carrington Mortgage and still was denied, even when we came back to the property. In the meantime, awaiting the decisions for each appeal for loan modification, we were paying the utilities and homeowners insurance. In February of 2021, we received a letter, while we had a loan modification application in process, of a foreclosure sale for March of 2021. I called the foreclosure attorney and stated that a loan modification application was being processed, which Carrington later confirmed, and the sale date was cancelled. May 2021, I was alerted to a foreclosure auction being held outside my home, with no prior notice. The lawyer at the auction stated that the property was sold and that banks makes these errors all the time. I contacted the foreclosure attorney, and they were going to speak to Carrington to find out the validity of the sale. Several months went by and no notice has ever been received, nor was anything filed with the land court or registry of deeds. I was forced to file bankruptcy in December 2021. My bankruptcy attorneywas surprised nothing has been recorded and nothing had been filed in land court. So, she had to file the property as an asset. The bankruptcy was discharged on February 8, 2022, and I received a letter to quit from pioneer investments two days later. I checked the records with the registry of deeds to find that on February 8, 2022 they filed transfer documents to show the chain of custody of the mortgage from the original Taylor, Whitaker and bean to Carrington Mortgage. The same day they filed the intent to foreclose along with the foreclosure deed to Pioneer Investments.

I have two small children and an elderly mother with vasculardementia residing with me in the home. Not only dealing with a foreclosure and now an eviction, has resulted in bad depression. I was able to find my mother a nursing facility but my family and I have no where to go by the end of the month

Filed Under: Home Foreclosure Tagged With: USA

Last Updated: September 1, 2022

I need a second chance to give my children a chance at all.

<span;>so.. I am not sure how to start this due to the fact that I have always been that person to never ask for help never rely on anyone else.. I like everyone wanted to make someone proud and break the long chain of disappointment that seems to shadow my families… but after falling harder than I had ever thought I would and being less than to everyone like we all never imagined I have been humbled in many ways and one being knowing when to ask for help. I grew up in a tiny town far north in the woods where everyone thinks they know everything but really no one ever really knows.. I am the youngest child of 4 and I since the age of 8 have been doing nothing but raising everyone’s children therfore not really having a childhood myself..I came from way down south but moved here at the age of 3 Nad never really left or got to experience anything. I struggled with school due to probably adhd and dyslexia probably compliments of being born on meth and whatever else and have known nothing but struggle since entering this world. As a baby it all seemed normal until it was noticed that there was something off and not right about my appearance. My head was growing wrong due to my soft spot being fused closed to soon so I could see my forehead and the backbof my head touched my back… at 18 months old I would receive a surgery to reshape my entire head with was successful enough but soon afterwards had to receive ear tubes to open my earways because they were swollen closed and I was beating my head on everything due to the fact that all I heard was white noise and it was making me go crazy… now that’s a rough start and seemingly enough to last a life time in my eyes but someone else had different plans for me and apparently is curious to how much I can take.. my childhood was just as messed up as the next. I had two parents that were addicted to drugs and alcohol and loved to abuse the other and even though we managed and there were great times the bad seemed to always out weigh the good.. there was never comfort in knowing where I would be sleeping who I would be with but the guarantee that I would be hearing the screaming and the sheriff wouldn’t be far behind.. at 2 I was taken from my babysitters home by cps and gotten back somehow very quickly with my mom’s aunt’s help.. this lifestyle went on… dad show up whenever maybe for a day maybe a week gone for what seemed a life time in-between. He worked down south we stayed here with my mom.. she would drink party fo whatever and whoever and when he was home they would fight he would leave and it went on and on. He had always told me he wasn’t ever going to return but he always did until one day he didn’t… I was ten the year he never returned… apparently no one could tell me where he was if he was even alive I was devastated.. naturally I was a daddy girl and he was so sweet with us girls and my mom was such a mean drunk and unhappy in general which made her very unpleasant which i now understand and don’t blame her… but about 2 years later she quit drinking and started going to school for nursing which she kept on doing.. she worked grave yard shift which was hard on not only her but the 3 girls and 1 boy when he wasn’t in jail left to raise one another at home. I am the youngest so naturally I am the burden my siblings are 12, 6 and 5 years older than I. They all followed the life of our parents the oldest my brother having it the worst the longest due to he wasn’t our father’s son so he was abused for his entire life until 12 when my mom couldn’t handle him anymore and gave him up as a ward of the state growing up in juvenile hall and the rest of his life in and out of jail and mental wards.. with 4 children by 3 different women.. then the oldest girl who had a great chance due to she was great in school even got an scholarship to become a writer anywhere in the state of California but quickly threw that away to become pregnant and in an abusive relationship… then there was the middle girl she has always been the nurturing one not so good in school not really street savy she never left mom’s house she was like the teachers pet so to say… but when she did she ended up being swooped up by some guy that quickly ruined her as well.  So all that was left was me I left home before 18 really I had been on my own always it seemed I started working legally at 14 and had always been hustling money well before then doing any work I could. I was the last hope in my mom’s eyes of her not being a failure… all until about 4 years ago. I had two management positions I worked 7 12 hour days I ended up having my first baby Nad found out I have na extremely rarest of the rare blood problem that affects my baby’s in uturo… I have two daughters, a step daughter and a step son which although I raised over 8 children from the age of 8 has been a struggle I imagine it’s from the fact that the day I got to experience a life that was fun and free its what I had been longing for. I love my children all 4 and I wouldn’t trade them for the world but unfortunately somehow I feel into the pattern of my past… I went from the stand out roll model working mother whom managed two businesses and did everything on her own as well as helping everyone with anything… to the front page news and the TV and having my youngest taken in the process she was only 4 months old… it’s shameful to say I feel into drugs after I had her my other half had already been deep in them bad little to my knowledge he had stolen from someone’s home and gotten caught… in the process I was guilty by association even though I had no clue I was completely blind sided and torn down down shamed and in. Asmall town you don’t come back from that. We now have gone through all the process of getting our child back and being the first couple to do so successfully in over 20 years got clean and still live with the debt of a huge mistake that we pay for in more than one way. We are now labeled as tweekers theives and it’s hard to get a job or even to just live any kind of normal life… we are in debt over 60,000 dollars and even though we have payed with out dignity and so much more now we suffer our relationship suffers and worst of all our children suffer because of the weakness of living the only life I have ever known because of being tired of being the pillar to hold the weight of everything. Please find it in your heart to help us to be a helping pillar and so that we can give our children a chance to know a happy family and better  life than we knew. There is so much I have left out so much pain and suffering. I hate to ask for help I usually don’t receive it even when I do but I have no one to ask and nothing so what more can I lose by doing so. I’m grateful for your time to read this sob story even if you don’t or can’t extend a helping hand.. I appreciate you.  My pay pal link

paypal.me/leannavarao

Filed Under: Home Foreclosure Tagged With: USA

Last Updated: July 22, 2022

Unlucky Mom

So 1st off I would like to start with the fact I really don’t like  Asking for help.  But it has gotten to the point where it stresses me out daily and I feel like it’s taking a toll on my life for me and my children.  When I got pregnant with my son I thought things would be great we were financially in place but then my pregnancy caused a lot of health issues and it made it really hard for me to work. So me and my boyfriend had lived on one income. It was hard then 10 months ago I gave birth to my son and I almost lost my life.  I had delivered my baby boy and at that point I thought things were great until it took  A crazy turn and  I became a code mom.  I never knew what that was until it happened to me. At that point I was rushed rushed out of the delivery room into the operating room after losing a large sum of blood I woke up 14 hours later with a tube down my throat and my arm strapped the bed. Little did I know the only way to save my life was a if my life was a Emergency hysterectomy. After that my life has changed it has caused crazy amounts of pain in my stomach my stomach in just normal tasks. I have been working hard to take care of it but it is kind of tough with taking care of 2 kids.

 

I have not been able to work as much as I would like to because of all that has happened to me which has caused me to become behind on my mortgage. And now that the pandemic is “over” they they will start for closure processes soon the process is soon and and I am worried I will not be able to take care of things on pretty much one income. I have been doing my best on trying to work more but some days things just seem so hard to catch up on. I have been working since I was 12  I was a single mom at 19 Working 2 jobs to support my daughter.. I have come a long way since then I had bought a home  And was doing really well for a while. Then of course the pandemic hit most people lost jobs Including myself. As soon as I was able to go back to work after the pandemic I jumped right on it’s right on it but then I was pregnant and as I stated I had a really rough pregnancy with all my issues of health concerns and it just got out of hand since then. I am really hoping the karma I have put out in my life they will eventually come back to me.

 

I really hope that maybe someone will see this and Be the miracle I need in my life right now.

 

Thank You To whoever is reading. If you are interested in helping me out and being my miracle anything is greatly appreciated.

 

My pay pal paypal.me/missmell1004

Filed Under: Home Foreclosure Tagged With: USA

Last Updated: July 21, 2022

Just moved, now about to be homeless

IMG_20220504_213255639_HDR~3.jpg

Hello, I write this with a heavy heart. I hope anyone who reads this will help all they can or at least pass on my families story. We just moved to Nevada in May of 2022. I helped my elderly Veteran Grandmother buy a house. She had considerable debt due to some shady family members stealing from her and ruining her credit. My mother and I helped her sell her money pit house and we all got an apartment together. In about three years we were able to help her pay off her debts to qualify for her V.A Loan. It was really hard work and a ton of paperwork to go through. After paying all her bills off she only had enough money every month to pay the rent and other bills. So I stepped in and paid for all her closing costs and other associated fees. This was almost eight thousand dollars. Also I paid for all of our moving fees and moved everything with almost no help with an additional cost of almost four thousand dollars. This was my life savings so my family could finally live in a house and have room for everyone. Now this seems to be the American dream and your probably wondering why we would need help. Here’s the reason. My Grandmother needed 24 hour care and my mother and I took care of her. Before we left California she was doing really well. My Grandmother was just about blind and couldn’t walk. We helped her with everything. However, it was always her dream to own another house. She was really excited to finally have that dream realized. Now a little more back story. We were promised that the house would be clean and everything in working order with no pests noted. We have all the paperwork to prove just that. However, when we finally got to our new house, that was not the case. We had a blacklight to check how clean it was and it wasn’t. The walls all had the fluorescent signs of blood, bodily fluids and other unsavory fluids. We were floored. Every surface showed the same signs. The kitchen stove was covered in in. It was horrible. We also discovered that the previous owner also left all there junk behind and it was a nightmare to get rid of. There was also a serious mouse infestation and there were droppings in every enclosed space. We were so afraid of us all getting sick. I actually did get sick for three days and couldn’t function at all. I also need to mention that I have two boys under the age of ten. Please put yourself in my shoes. How can anyone cope with such things? Needless to say I had to keep going for my family was depending on me. This actually wasn’t the worst of it. By the time I had dealt with all of these issues and overcoming sickness and taking care of my family at the same time. We had realized that it was starting to heat up in the middle of May. When we got to the house it was relatively cool and windy. That changed and when it did I did what everyone does. But some filters and clean the vents and turn on the A/C. Only, when I turned it on, nothing happened! It didn’t work. Maybe anywhere else it’s not that big of a deal, but we had bought this house with the understanding that everything was in working order. It quickly heated up from there on out. While we were waiting for the report on the repairs, it was discovered that my Grandmother was suffering from dehydration due to the increased heat. I was scared how she wasn’t responding and called an ambulance. She had to be hospitalized. In the meantime I kept working on her house, because that’s what she would have wanted. We wanted everything to be good when she came back. My mom made sure she was getting good care and drove back and forth several times. She was doing well, eating and drinking fluids just fine. Now, back to the house. I need to mention that the A/C had to work in order for my Grandmother to even purchase the house. It was contingent upon that and we discovered through the company that came out that it had a wiring problem and was in no way going to work in that condition. It had to be replaced. This house was over $300,000 and everything was supposed to be functional and in clean move in ready condition. This isn’t even everything that was wrong. Now to why we really need help. My Grandmother came back home and we got her settled in her new hospital bed and made sure she had everything that she needed. However, the hospital had put her in Hospice Care and didn’t expect her to survive for long. We were all devastated when waiting for the parts to come in to replace the A/C unit, my Grandmother passed away unexpectedly. Due to her dehydrated status and it being too hot because the air didn’t work like it was promised by the realtor that it had been repaired. My Grandmother is gone. It cost $1300 to have her cremated. My mother and I have some funds available, but it is not enough to cover the mortgage. I have already applied for ten jobs out here and I’m going to apply for more. If we can’t get the mortgage paid soon, the Mortgage company will start foreclosure proceedings soon. I have my two kids to provide for and I’m afraid we will be homeless in this deadly heat. I cannot afford to replace the A/C. I cannot afford the mortgage. I’m really scared that me and the rest of my family will end up dead on the streets cause as I write this June 28th 2022. It is 106 degrees outside and 100 degrees in the house. We don’t have anywhere else to go. Please help us. I’m also going to start a GoFundMe page. We don’t have any trust worthy family or friends out here. We are all on our own. Please help my kids keep a roof over there heads. Please help my family stay alive. Everything that is written here has happened and I hope you can find it in your hearts to truly help us or talk to your friends and family that can. I’m not asking for our life to be fixed, just please help us get on our feet so I can keep doing all the work my family needs me to do. Thank you. God bless you all.

Filed Under: Home Foreclosure Tagged With: USA

Last Updated: July 21, 2022

Wanting to demolish and rebuild my childhood home ❤️

Growing up in the middle of nowhere wasn’t the childhood dream. Being surrounded by cows, open fields, having the same 4 friends to play with put a damper on options as a child. As I grew older I started to recognize how amazing and lucky my life was. Being a sibling of 4 total I never even knew how lucky I was to have had such a close nit family in such an amazing place. After moving away to college I realized I longed for the front yard to play catch in with my older brothers, the forest of unforgiving trees that I use to climb with my little sister to escape the world, and how free and alive I felt in those moments. Reflecting back I wish I had not taken it for granted. Flash forward to April 2018, we lost our rock to the family, our mother, the woman that held all the bills and somehow always managed to keep us afloat on a maintenance man’s salary and my absolute BEST FRIEND. I was devastated. I spent a single month with her as she suffered, laid dying in a hospital bed. I will forever be grateful for that month even though I knew the pain she was in she never tried to show it. We talked about everything that I was too afraid to ask when I was younger and she answered truthfully. That last month with her I vowed that I would look after my dad, but not for too long because she didn’t want him to become dependent on me. I promised and she went to meet her savior on April 10, 2018. My father  to say the least was a handful following my mother’s death but I did my absolute best trying to ensure I took care of him. He lost his leg shortly after she passed due to P.A.D. and because of his excessive drinking and smoking… As of last year, he lost his other leg. Don’t get me wrong, this man fought for his country, retired airman, and worked the remainder of his years before retiring. He was strong mentally and physically up until my mother passed. It pained me to see him like that. He is a loving man, a family man, a great father! As an admission of defeat I realized that I could not care [Read more…]

Filed Under: Home Foreclosure Tagged With: USA

Last Updated: July 16, 2022

SC a state that gentrifies and put a family of 8 homeless

Hi I’m not the one to play the race card at all but when wrong is wrong right is right and white is not for black is wack. I currently live in Greenville South Carolina my grandmother passed away in 2005 leaving me her home that she worked hard for and obtained the title for and it’s amazing how she did that considering blacks wasn’t even thinking about being property owners back in the day and for her to accomplish that is a major milestone and blessing. I’m 36 years old seven kids six boys one girl ages 14 to 23 I had my first who is disabled due to a gunshot wound from his so-called friend that entered his chest hit all the main orders inside his body and exited his left kidney results in dialysis for him. I also have six other kids that was affected by the code enforcement of Greenville county to try and condemn our property and give us 7 days to leave this happened 2 months ago all because the floor needs to be repaired and instead of them helping us get government assistance or help us get it repaired they’re trying to condemn and left us homeless my kids have been separated and had to leave their schools because they had to go stay with family members an hour away and there was no way to get them back and forth to their school so now they’re doing virtual so one family member can’t take all of us in so we’re all separated now we don’t talk to each other on a daily we don’t even see each other on a daily and me as some other I’m going through so much because it’s so much pressure on me I haven’t worked in the year because I’ve been taking care of my son is on dialysis I was trying to start a residential cleaning business but my head gasket blowing my car and that was that plan so now I’m living with an ex-boyfriend of mine that treats me like crap and abuses me and puts me out every week because he knows he can. I filed for a permit to get the floors fixed up under an exemption for the homeowners because they said we had to have a license contractor which I can’t afford a license contractor and they’re not trying to help me the City of Greenville code enforcer gave us 7 Days 3 months ago to leave our home because of a 12×12 not even that big of flooring that needs to be replaced due to plumbing up under the sink disrupted our whole lives and trying to get in the property and we have nowhere to go and have been homeless since then. Asking for help for home repairs in a car cheap little get up and go nothing fancy just trying to get on our feet and get my family back up under One roof I thought America’s stand on keeping families together and not South Carolina they’ll tare your family apart and not think nothing else about it. It said that I thought racism was passing but why would it pass in the state where it was first introduced the great Old South Carolina. The reason why I’m saying the race cards because we used to have a black neighborhood but now they have used the word gentrified to take all the blacks and their property out and rebuild them for $300,000 houses and now the community is 97% White and 3% black and I wanted a 3% they’re trying to get out of the community and condemn my property we don’t even have community centers anymore where kids can learn because they see property as money instead of keeping our community strong and learning so the kids can have something proud like I was on my grandmother to pay her house off instead of trying to help me keep it they use something simple as knowing I can’t afford the repairs to get us out of the community black lives matter not a racist thing at all because my last four kids are mixed surprising huh LOL God bless thanks for reading!

Filed Under: Home Foreclosure Tagged With: USA

Last Updated: July 13, 2022

Severe help for bills needed

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

Filed Under: Home Foreclosure Tagged With: USA

Last Updated: June 17, 2022

At the end of our rope!

Hello

I really never thought we’d be in this situation at our age.  We are in serious trouble and need some financial help desperately.  My husband and I are self employed in the construction field.  Over the last few years we have had a lot of people take advantage of our kindness, and ultimately has cost us thousands of dollars that we can not get back.  My family has also needed help, which we always provided, but no one is able to help us back.

Our home is now at stake, and I can’t bear the thought of losing everything.  We are trying our best to get out of this hole, but it has been super difficult with what COVID has done on top of everything else.  We are maxed out on everything trying to stay alive here, and have no where else to go.

We are desperate, and we would be beyond grateful for anything to help right now.

We are good people, and have helped countless people who have come in and gone out of our lives over the years.  We are really needing something good to happen for us this time, and promise to continue paying it forward to others in need where we can.

paypal.me/gratefulforhelp

Filed Under: Home Foreclosure Tagged With: Canada

Last Updated: June 11, 2022

I am from Ukraine and I really want to meet my family

I never asked for help, but now I need it. when the war started for safety we had to leave. me, my son, my mother and my husband’s mother. we didn’t go to Europe, because there it would take me a long time to confirm my diploma (I’m a doctor) we flew to Kazakhstan. I got a job. and provided for our family. the husband stayed in Ukraine because men are not allowed to leave. We haven’t seen each other for over 3 months and miss you very much. my son is 2 years old and he asks his dad every day ((I really want to go and meet my husband in a safe area. But the tickets are very expensive. For 4 people it turns out $ 2000 so I ask for your help. I really hope. thanks in advance.

I believe that everything will work out.
Paypal.me/natali7547

Filed Under: Home Foreclosure Tagged With: Asia

Last Updated: June 8, 2022

HELP ME CLOSE THE PURCHASE OF MY HOME

Hey!

I’m a 23-year-old woman acquiring my first apartment to finally become a landlord and have a place to call home.

I’ve to pay my last call for funds by June 30th or I won’t be able to get the keys.

It was $26,000 and I’ve already paid 23,500. All I need is $2,500. I tried to borrow that sum from multiple banks and loan agencies but all my requests were denied.

Your support is my last resort.

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

Filed Under: Home Foreclosure Tagged With: EU

Last Updated: March 6, 2022

help save my home sweet home

97C9DEFC-1A2C-4D12-9B92-70E2A330DA19.jpegOur troubles started in 2019. My husband’s hours were cut at work and we had trouble making all our bills. We had to keep the lights on and have gas to go to work so a couple of mortgage payments were missed. In 2020 I lost my job as a nanny, because of Covid. With great soul searching my husband and I decided to start the process to become foster parents. At the end of 2020 we were licensed and brought some children into our home. We were and are in a position to make all our current payments. The back payments are hard to catch up on. With the missed payments comes interest, taxes, court costs, lawyers fees, filing fees etc. We are facing foreclosure and risk losing everything. Our home, my job, my foster children, my vehicle, and more. I’m stressed and desperate. I need help. I appreciate any you can give. Thanks in advance. PayPal.me@itsmejones317

Filed Under: Home Foreclosure Tagged With: Canada

Last Updated: February 25, 2022

Stupid and unlucky

Hi and thanks in advance for taking the time to read my story!

We are a family of four, me and my wife, and two kids age 3 and 2.

It all started for us when the company we both worked for lost a big contract and had to lay off 75% of its workers.

We had just bought a house and our first son was 9 months and our second was on the way. Then we lost our jobs and had to sell our house and move. When we sold the house we had to sell at a loss of 21000$

I got work pretty fast but with the new job came extra expenses for travel, and we also needed a second car. Everything was tight but it worked fine ish for a while. We took out a loan to cover the loss from the sale, and it worked for a while.

We got an opportunity to buy a new house and move for work, YAY its starting to go our way we thought.

After a while we discovered the house we bought was not such a good deal as we thought. electrical had to be fixed and the plumbing in the bathroom had to be changed, some windows started taking in water when it rains, the paneling on the walls has to be repaired/changed.

On top of the house we had a car that broke down and had to sell at a huge loss.

With the ekstra repairs we did’nt calculate for, the car troubles and increased cost of living/working with the travel nessesary to get to work. We could not stay on top of all our bills anymore.

We tried to talk with the bank, with no success. So we turned to less favorable banks that offer high interest and in general bad loans. But in our current situation not even those banks would help us.

Now after 2 years of struggling the bank is about to take the house and sell it to minimize their loss.

We can’t move because renting something is more expensive then the loan on the house, we cant sell without ending up in more debt.

So our last hope is in the charity and kindness of others.

Right now we owe about 32000$ to three different banks.

If someone out there in a more favorable position has the means and opportunity to help us we would be eternaly grateful.

We have to come up with a way to pay off everything by the end of the year.

We should be able to pay of about a third by ourself, but we sorely need help.

We have asked family and friends and checked every possible way to get help, but to no avail. Our biggest consern in all this is the kids, we dont want them to be affected in the long term because of an economical crisis now.

Please help us get back on track, all help is much appreciated, every little penny counts for us.

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

 

Filed Under: Home Foreclosure Tagged With: EU

Last Updated: February 5, 2022

Consequences of unprocessed trauma

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

 

Filed Under: Home Foreclosure Tagged With: USA

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