A Series of Unfortunate Events
October 29th, 2023, I had to borrow my wife’s 2013 Toyota Corolla to take care of a customer of mine. I own a maintenance and repair company. Finish up and I am stopped at a left turn stop light 10ft behind a small oil truck. 2ft behind me is another car. To the left is a median with small palm trees. More cars to the right of me in a right hand turning lane. The driver in the oil truck decides to begin to backup. Apparently he was blocking the cross walk and felt he needed to back up to unblock the cross walk. Not sure how he didn’t see my car, but he began to back up thinking there was no one behind him. As I’m sitting there watching this happen I see that he is getting really close to my bumper and I start blasting my horn. He apparently didn’t hear me, as he had ear buds in his ears. I can’t back up, can’t move anywhere. All I can do is blast my horn and yell are you f#*$ING kidding me! As he begins to literally run over my front bumper and then some. He backed up so much that he went half over my hood. It’s like it was from a movie. He then pulls forward, completely oblivious! I jump out of my car hands in the air yelling at the guy, WTF!! Fast forward to insurance claim, they will only cover what the car was worth not what we owed on the corolla. Short $5500, and car is totalled out. Now we have to get another vehicle, so my wife can work. Mortgage due that same week, I did what I had to do and sacrificed the mortgage payment to place a down to finance another vehicle for my wife. Fast forward to November 14th my work vehicle goes down, can’t afford to replace transmission. Have to get another vehicle for my work. Had to sacrifice that mortgage payment to put as a down payment. At that point we are behind 2 months on mortgage payments. Starts hitting both credit scores. I’m able to pay the normal monthly mortgage all the way up into June. Last half of May up into today I haven’t been able to work due to tearing not one but both labrums in my shoulders. Your labrum connects to your biceps. I had been dealing with these 2 injuries since I got out of the military. Last 2 years were by far the worst. I was scheduled to have surgery in 2022, however I have a family to provide for and delayed the surgery. 2 years later still haven’t had the surgeries and now I’m at a point where I have no choice. Problem is, I only receive $2465 a month for being 80% disabled. My mortgage alone is $2784. My wife after taxes and insurance only brings in $4200 a month. Between all our debt we are paying and car loans, there is no room to be able to get back on track. Our credit scores have suffered from the late payments on our mortgage, so no bank will touch us no conventional loan programs will qualify us. We are sinking. I am asking for $25k to assist in getting our mortgage caught up (so we don’t lose the house) and to pay off our outstanding credit card debt. If more is given, we would put towards any other debts and a business my wife has been building the last 3 months.
She’s developing a website program for children with auditory processing disorder, from which my youngest is currently suffering from. It has affected her learning capability and there are no programs that really specialize in helping this disorder. The closest program is Readability, but it is lacking. So my wife is coming up with something similar but has more features and are geared towards my daughter’s disability. There are 8,000+ children diagnosed with this same disability in our area alone. This is my Series of Unfortunate Events. Thank you for listening. If you choose to donate to mine and my families cause, you can send to
https://paypal.me/graigrichard?country.x=US&locale.x=en_US
Or cashapp $graigrichard
Or Venmo @Graig-Richard
Best Regards,
Graig Richard
US Army Combat Medic Veteran