Hello,

I hope this message finds you well thank you for taking the time to read my request for help. Things have not always been in the current situation of needing help. I live a very modest lifestyle and try to plan for the unseen circumstances. In the current situation of being let go from my job in November, and I always take jobs out of town to provide for my family.

I am the only one who can work due to my wife not being able to from her medical condition doctors have not been able to pinpoint the issue and also taking on the responsibility of my sister in-law living with us as well due to an abusive relationship. In recent weeks my father who had a previous stroke suffered another one and has set him back and is in therapy. This has been overwhelming in the current situation and feel as I’m on borrowed time in my own health situation due to the immense stress and pressure.  We as a family are facing foreclosure and I had tried to explain this to my daughter who is special needs and is Autistic which case she is struggling to understand just why she doesn’t.

This has been a rough situation of not being able to even barely put food on the table and one car out of commission and another needing to go into the shop for repairs.  I am behind on my mortgage by $10,000.00 and will lose the house by the end of the month.  I have not been able to find a job and need help very desperately. I can only hope and pray that this message finds generosity in time. Thank you taking the time to read this post, many blessing towards you and your family. My link for is paypal.me/peppers770.

I’m at a loss. I have no idea where to turn. My husband and I run a small business that was thriving before the pandemic but with the theme parks closing down and postponing any new additions or renovations that used to yield us 100k a year, we now are turning our business in other directions adding new facets to what we do and making small amounts of money here and there. It’s just not enough, with new expansions coming closer it’s good for us but we couldn’t keep up and are now facing foreclosure before the big jobs have come through. We have kept our budget as low as we can with only one vehicle and zero extracurricular activities and even with food stamps and Medicaid we still cannot make ends meet. We have a nine year old daughter and a 13 year old son with autism and we are on the brink of losing our home. Not only did we get behind on the mortgage because we just weren’t making enough money but our mortgage over the last 5 years has increased from $725 to $1290 due to homeowners insurance. Had the insurance not gone up we might have been able to stay afloat but it just didn’t pan out that way. We are $10,252.61 in debt to the mortgage company as of last month (they just called to let us know today they are filing for foreclosure) and because we are a small business run out of our home and the way our income comes in we don’t have regular jobs to provide information to qualify for modifications or loans to get us caught up. Our homeowners insurance has increased so much that we have a leak in our roof that we can’t even afford the deductible to have it repaired to get newer less expensive homeowners insurance to bring our monthly payment down. Everything is spiraling and I am absolutely panic stricken. The PayPal account is in my husbands name and the cashapp and Venmo are in my name. Any help that can be provided will be beyond appreciated. If we lose our home I have no idea where we will go or how we will explain it to our children. We need $10-$15k to straighten everything out and get back on track. I know it’s a lot to ask, and we are working hard everyday to try and raise funds. I’ve made $1000 in the last month to put toward keeping us in our home but I just don’t know what else to do. We are desperate for any help. Thank-you and god bless!

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

cashapp- $producerlady

Venmo- @producerlady

I’m 65 and trying really hard to stave off the wolfs at my Mortgage company.  About 3 years ago I started having Medical issues. I missed a lot of work, and went out on FMLA 3 times in a 2 year period. I needed to go out again a few months after just returning.  I started having issues with acute Diverticulitis and eventually had surgery to remove part of my bowel.  I was forced into early retirement. Early I say because I was not financially ready for retirement.

One month after Surgery ,I received a call from my sisters stating that our 90 year old Mother who needed round the clock care would be needing to come live with me on and off and that I needed to do construction on my bathroom so she could get in and out of the bathroom and shower without difficulty. It was not an ask, it was a demand.

I was not physically or financially able to do this.  They called and said mother wanted to pay for it. They hounded and hounded me to get the bathroom completed. I did everything I could to find someone who was reputable and could start and end the reconstruction in a timely manner. During this time, one of my sisters was diagnosed with a rare form of Liver cancer and passed away with in 2 months of the diagnosis.

It turns out business references can be forged. You never know who you are really talking with when you make the reference calls. I hired the handyman from hell!!

The construction people rarely showed up and when they did, they rarely did any work and were only there for a few hours. After 4 months since I hired them I had to accept the job as is. Plumbing issues galore. My downstair family room was flooding and the water was coming from the ceiling under the bathroom remodel.

Because of all of this my mom was never able to come live with me and is living with my sister. What was a gift from my mother for the bathroom was only a loan and not a gift as my deceased sister my living sister had originally told me.  My mom has dementia and is not able to remember things or stick up for herself for me. My sister became a really wicked person and started demanding I pay my mother back.

She told the entire family, nieces, nephews, anuts, anyone that would listen that I took money from mother and need to pay it back. It has been a nightmare. I’m just devastated.

I started living on Credit cards and quickly fell behind on everything.

I actually stacked up a whopping 31,000 in Credit card debit trying to complete the bathroom, I still have plumbing issues. Paying my various bills by CC, etc.

A mortgage you are not able to pay by credit card so I fell 10 months behind on it. I was finally able to get a new job.  In January I was able to start making Mortgage payments but I’m only able to  afford the actual monthly amount and not the extra to pay off what I’m behind. I have been negotiating with my Mortgage company since October, buying time. But the time is now up and I have to the end of March to pay $10,950.68, in back payments to keep my house from foreclosure.

I have no one in which I can ask for help. I have no family that will speak with me and I have really poor credit now and can not get a loan.  At 65 you never think this is where you will be in life. I have credit card debit that I have to pay  and  I have to still get the bathroom plumbing corrected and floor  issues corrected. Those over time I hope to chisel away at. But my home I can not lose. If I lose my house I will be on the streets. I honestly have tried everything. Please won’t you help. Thank you.

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

Hi, & thank you simply for taking the time to hear about my story,  & this soul draining predicament that has overwhelmed me & brought me to my knees.. 1st off, I have been with my wife for 20 years, and are now in the divorce process,  as nearly the entire time we’ve been involved in marriage counseling.  I knew that if we didn’t divorce, I would literally die of anxiety,  stress & being made to feel like the most worthless person,  as this is what I had learned to live with. Throughout our relationship, I had started a small business doing granite countertops,  & have worked an average. of 50hrs/week for those 20 years, at which point I had saved up around 75k, as Ive had my 2 children, 14 & 16, as my driving motivation. But getting older, I was starting to get sick from pushing my body so hard & was even hospitalized & nearly died of pneumonia.  During these last few years, my wife was handling the finances, as I lacked the capacity with constantly recovering & working as I had been. During this time, over the course of less than a year,  the life savings I had nearly killed myself to save, was completely gone, only or her to to blame it on my time off work from being ill, unseen bills, etc.. since the beginning of this divorce process,  every day that passes I feel less anxiety,  however the financial damage has left me now 4 months delinquent on my mortgage,  can’t pay my bills. As back in October of 2023, business seemed to come to a complete stop. Work had been constant for the past 5 yrs until then, & I’ve only made several sales since then.  The house I bought.. well, “we” bought together must now get sold as financial ruin is ever present.

I can only humbly say thank you, for just your kind consideration of helping someone such as me, who has never been at a place like this in his life, your generosity would change life back into the positive & be able to look forward to every day, rather than the stress that comes with my current situation. They told me to include my paypal.me:

paypal.me/JoshuaBogard1

Thank you again,  so very much,

-Josh B

I am a person with open disability case that’s about to loose my house that I’ve owned for 40 years. I’ve lived here my whole life. I’ve had heart failure several times in and out of the hospital and am on several drugs now lengthen my life. I am in need of $3000 to save my house.

$B1GR

Hello.. I am Asking for help to pay my mortgage and stop foreclosure . My husband and I need roughly $20,000 to get out of foreclosure and stay afloat.  We asked for help from our mortgage company but they offered us a balloon payment that meant we would end up paying $314’000 on a house appraised at $168’000. We asked for another option and they said they couldn’t help us because the house is worth $314,000 and that we make $97,000 a year. We make no where near that. Our gross was closer to $50.000 . I sent them a copy of our 2022 tax return to prove it. I also sent them a copy of our property tax appraisal stating that it’s worth $168,000. I even sent them information showing that the house across the street from us sold June 2023 for $160.000 and that house is in much better shape then ours.  They sent another denial letter but they never  based it on the proper information. We have a cleaning service in a tourist town. We never quite came back financially from Covid.  Beside the cleaning service I also work at Big Lots and  a small store where people can make their own tie dye shirts. I’m  telling  you this because I want you know that we do work and more than 1 job. My husband’s health is not the best. Besides AFIB, and  high blood pressure , this summer he was going into kidney failure. That set him back a month before he could work again. In December of  2023 he was diagnostics with lung cancer and was operated on 01/11/24.  He’ll be out of work for at least 4 weeks and longer if they have to go back in and operate again. This is our last hope. We have tried to get a loan and failed. Our credit scores are in the high 500’s – low 600’s. Mainly because our credit cards are maxed out. Not because we aren’t paying them. Please help if you can . It would be GREATLY appreciated. Payments can be sent to  Zelle 6094253271  PayPal goodtago1@comcast.net  Venmo Michelle-Unkle last 4 phone 3271 https://paypal.me/pleasehelp2024?country.x=US&locale.x=en_US

Thank you,

Michelle & Gregory Unkle

Good Morning,

To say a parent would do anything for their child is both a true and powerful statement.  Today, I find myself giving the last and what I feel like, is my only thing left, my pride.  I have always been the person to help others whether it be financial, emotional or physical.  At 52 years old, I never thought I would be requesting financial assistance from strangers wondering if my family will find out about this, wondering if this is truly a possibility and concerned I am getting my hopes up that this could really be my turn for some positive change.  I feel like the tree stump in the ending of Shel Silverstein’s book, The Giving Tree.  I have very little left but still have a lifetime of needing to give specifically to my 3 girls ages 16, 14 and 12.

My husband and I both worked in the hospitality industry.  I as a Wedding Planning and he as a Director of Convention Services.  Combined, we made a decent living but still lived pay check to pay check.  In 2013, I had to take my niece and nephew in (guardianship, my sister is a struggling alcoholic).  When they joined my family I did not receive any financial assistance from my state (MA) and paid roughly $23,000 out of my savings to support them while they lived with us.  Eventually we were able to locate them a family who is still in the process of adopting them.

As the years passed and the cost of childcare increased, my husband and I decided that I should open my own wedding business versus trying to work in Boston while paying for childcare.  Events by Nikki launched in 2016 and, as with any new business, it took a few years to build my client base however, by 2020, I had over $143,000 in potential revenue on the books.  Around this time, my husband was about to get laid off however, we had known for over a year so were able to prepare.  The venue he had worked at for over 25 years had been purchased and the exhibit hall where he oversaw all the large trade shows was being torn down.  Having this information about the sale/tear down, he had interviewed and negotiated a new position within the same industry and was due to start in March of 2020.  As with so many families, Covid destroyed this next phase in our lives.  The career move my husband worked so hard for was given to another person that already worked for the hotel.  As with most venues, during Covid, it was crucial for companies to hire from within.  Although we were devastated, we knew the hotel made the right decision for their reputation.  While my husband searched for work I slowly and sadly saw every event I booked cancelled due to the pandemic and sadly closed Events by Nikki the following year.  I decided I needed some income that worked with our schedule so began waitressing nights about 30 miles from my home.  Our next plan, now that my husband found a new position back in the hospitality business, was for me to become a real estate agent.  We felt my love for helping others along with my degree in Hospitality Sales would make this a positive and lucrative move so I began the course in January of 2021.  This was the exact month that our world and our lives took a drastic hit.  Our youngest daughter, then 10, began suffering from severe school phobia.  It was so bad at one point that I, per direction of her pediatrician, actually had to carry her into the car kicking and screaming at me.  That was her 5th grade year.  She is currently enrolled in our public school in the 7th grade and her phobia not only has worsened but she has since been diagnosed with General and Social Anxiety Disorder.  During these past 3 years, I have had many doctor appointments, therapy appointments and paid out of pocket for a neuropsych test to rule out the spectrum.  Due to the time this mental illness consumes and her inability to get herself into school, my course has been put on hold and I have re-purchased it two more times in the hopes of still becoming an agent.  As of today, I waitress 4 times a month which barely covers the cost of food shopping.  In addition, the school system filed a 51A which was quickly closed and then a CRA for truancy even though MA Education Law states a child with GAD/SAD is not nor can be considered truant.  We have had to take her to court and now the school is threatening to place her in a program out of the home for up to 4 months and she would then be considered a child of the state.  I have been trying desperately to find a pro bono lawyer but with no success.

In my application I stated I needed assistance for Mortgage Foreclosure however, I chose to tell my story because I am uncomfortable with the amount I am requesting and wanted any donor to know why the amount is so high.  Over these difficult years, I have depleted my 401k (roughly 400K before tax and penalty), I was on a forbearance plan with my mortgage carrier and just got denied for a modification to reinstate my mortgage.  I would need roughly 35k to save my home.  We have close to 42K in credit debt and owe over 50k in tax debt because of the early retirement withdrawal.

To be able to get back on our feet, I am kindly requesting $130,000 to reinstate my mortgage and pay off my tax and credit card debt.  I would love to put back the $400 K from my retirement however, feel I, at 52, can hopefully work to recover this money to be able to retire and if I can’t then I’ll work as long as I am able.  In addition to the above challenges, I suffer from Lupus which sadly is often triggered by stress.  Although I am often in joint pain with severe fatigue, I have and will continue to push forward for my family and am well aware there are thousands of people in worse scenarios than my own.  For this reason as well as the love of my daughters, I will continue to do what I can to bring in an income.  I did just accept another waitressing position so now have 2 more nights a week I work which will help us financially.

To say I am grateful to anyone that has read my story is an under statement.  I will continue to hope that someone out there reads my story and may be able to assist me.  Should nothing come of this then at least I know I am still trying the best I can to give whatever I can to support my family.

In the end of The Giving Tree,  the tree was still able to give something to the boy as only a stump, this gives me hope that, I too ,can find a way to keep giving.

Thank you for reading and for your consideration.

 

Sincerely,

Nikki Fazo

Venmo – @Nicole-Fazo (last 4 – 7552)

 

 

 

Hi there, my name is Daniel and my family and I are in need of serious financial help in order to save our home and our dreams.

So 6 years ago my wonderful wife and I decided to buy a Home on 5 acres and pursue our dreams to start our own small farm business and have more time to spend with our 2 kids and each other as well as create something we could leave for our children and their children. Unfortunately things didn’t go as planned.

The first 2 years were great! We were making good money and reinvesting all of it into our business. Each year we were successfully growing and expanding our little business. These were the good times.

After those first 2 years passed we hit our first real hurdle. I was diagnosed with severe panic disorder and became unable to work independently. This was devastating. Not being able to afford healthcare on top of that meant any and all treatments came out of pocket. The next hurdle we faced the following season was financial. Our crops market value crashed by 500%! We went from making $200k a year to making around $16k a year. Its been this way for the past 3 years.

We felt defeated and heartbroken. As time went by bills just kept accumulating and we couldn’t get back to square one. If we lose our home we lose our business too. As of now we are $75k in debt and we are officially in foreclosure. We only have until March 15th to get this sorted out. We have no other choice but to reach out to the world for divine assistance.

Our hearts and souls are poured into this land and I don’t want my family to lose everything. We are so close to success. Our farm is running well and the market is shifting. We just have to get out of this debt in order to make it to another harvest and save the farm and our family from total collapse.

We are kindly and graciously asking and praying for $75k.

Thank you so much for taking the time to read my story.

Donate to:

Cashapp:  $storrents

 

Hello I Am Soo Thankful For Finding this Website! To dive right into my situation, it’s actually been going on since I made 17. My mother and Father Had passed while I was in High school. Didn’t know anything about mortgages, Loan payments, Escrows, I didn’t even want a Mortgage This early. Paying my mothers Mortgage had effected me financially all my life Since now I’m close to foreclosure, they sent me the letter January of this month. Guess that’s there way of bringing in the new year,But keeping my family house has been a huge debt to me. Stopped my Sports career had to pick up a Job. forced to learn about mortgages and Loans, and since we had Hurricane IDA it really effected Me paying this mortgage while still trying to survive while losing my job to keep up. I have a 1 year Old. Just me an him, And Just would like this financial Debt To Be helped with. But ultimately, Taking Care of. Asking for 8k entire mortgage is 108k

Cashapp:$stripedat

I’m currently overwhelmed with debt and am not seeking a bailout for that specific amount. We enrolled in a program which consolidated our debts and reduced our payments to $1,500 per month over five years. This situation arose after my wife lost her income, and we couldn’t keep up with the payments. As a result, we’re left with almost nothing at the end of each month. To make matters worse, there was a mistake with our mortgage company’s handling of our escrow, leading to a shortfall. Consequently, our mortgage payments have doubled. I’m at a loss for what to do next. I’m married with three children, and the possibility of losing our home is looming. Any advice or assistance would be greatly appreciated. I can bring escrow back up, but it will cost me approximately 6k.
cashapp $Juniorsteven225

Hi. After pandemic, two of our family members got previous existing health issues worse and my wife can’t work anymore for that reason and for attending our daughter in her therapy and treatments. Cause of this, we were behind in medical bills, utility bills and the most important: mortgage payments. Actually, we are in foreclosure process and trying to rise close to $90k to bring our payments up to date. We pray for someone can help us because we were impacted after the pandemic. Thanks for your help and God bless you all 🙏

Paypal: @GustavoECordova

Cashapp: $CordovaGus

I thank you in advance for your time and Happy New Year. I am a single woman, who owns her own home that has fallen on bad times, BUT refuses to let life beat me up without fighting back. I loved to run, but had to change over to cycling. But my absolute favorite was beach volleyball! That all changed after I sustained an serious on the job left knee injury. As a result of that injury I have had six surgeries in total, four major surgeries have taken place within the last four years. I sustained an derangement of my left knee, that is a fancy word for a “hyperextension”, which is really a  football injury.  My knee went in backwards after I was struck by a two thousand pound piece of equipment on the work floor. I had two prior surgeries to repair my meniscus before I had my first total knee replacement in 2019. During that surgery the doctor mistakenly cut my patella tendon and had to place it (bolt it) back to my shin bone. My knee froze from being in a brace, which lead me to have an left knee manipulation. That knee replacement surgery only lasted two years. The replacement failed, fell apart really, so I had to go back and have it done all over again in 2021. Yup. Two replacements, in two years, on the same knee. I never would have made it but my faith, family and ice cream got me through. My job was paying for all my medical expenses as well as my wages. My wages stopped on June 20, 2023. I have been without pay for several months. I am in the process of fighting worker’s compensation to have my wage case reopened,  but until it is restored I am literally left with zero income. I was able to get help with my food insecurities and assistance with heating oil, but I need help with my mortgage. I was able to sell home made chocolate chip cookies to keep my car on the road but even that source is running out. I now need help in keeping home. I worked hard for several years, to save up a down payment and have now lived here for nearly eighteen years. I am proud of myself. My last surgery was on March 31, 2023, I had to have a left knee cap bone graft after my knee cap snapped and detached. I am still recovering from that surgery. My left thigh is severely atrophied from all the surgeries, it’s weak and buckles without notice. I won’t lie, it’s pretty painful. My knee joint swells everyday and my knee only has an range of motion of eighty four degrees (bends), a normal range of motion is one hundred and forty I believe. That makes scaling stairs a job. I have two sets of thirteen stairs. Every time I look at my stairs going upstairs, I hear the song ” ain’t no mountain high enough”, funny but true. I also have severe scarring and chronic scar tissue throughout my knee which, makes sitting for long (sometimes short) periods of time extremely painful. When sitting It feels like my knee is ripping, it’s a bad pulling sensation. I know things can be worse,  so I stay grateful and thank God for what I do have. When life gives you lemons, zest that skin and make a sweet pie! My mortgage is now, as of January 1, 2023, I am behind four payments. Is scary and makes my recovery that much harder. I owe $6,574.72 , which includes my January payment. I would love you help, with any amout that you can give. I am not to proud to beg, get it. This is beggingmoney.com (Laughing). As you can see I try to keep my own spirits up. Like I said it’s been rough. I lost my Mom on November 8, 2023, she died of cancer. I did want to mention that because I  didn’t want you to think that I was trying to use that as a sympathy getting subject.  I brought it up because out of all that I’ve been through, I think what has hurt me the most was that fact that I didn’t have any money to even by her flowers. My siblings took care of that, but I still struggle with not being able to contribute. My Mom was 90 and had ten kids, five girls and five boys (no twins), I’m number seven. She has thirty eight grandchildren and fifteen great grandchildren. She lived a full life. She would really beat me up if I gave up and stopped fighting, so I have too keep fighting. Thank you guys for listening to my story, I  hope it will help someone else that’s going through hard times to remember that it really can be worse and to always stay grateful. Thank you again for your time. My PayPal link is @Nettems85, and again I am humbly requesting $6,574.72. Thank you! And Happy New Year!