Hello, my name is Cody, im married to my wonderful wife Alana of 10 years and we have 2 little girls ages 6 and 7 years old. I just turned 30 years old on Dec. 25th 2021 and my wife is 29 years old and she turns 30 this year in Oct 2022. When I was 18 years old right out of high school and in rural north GA, I was young and dumb and got in over my head in debt with creditors throwing approvals at me. I thought to myself yeah ill just get this and that on credit because it was so easy to do. Little did I know I was hurting myself by racking up more bills than my $300 per week job could pay for on top of my utilities and rent that I was new to paying. After a couple years of struggling with paying my debts, I met my wife Alana and we fell in love. At this point I had already gotten quiet a few negatives on my credit report which started ruining my credit. My wife was sort of in the same situation with her credit only she had let her mom and dad put utilities and different things in her name which ended up making her credit bad also. After a couple years of dating we got married and had our first daughter in 2014. Right after our 1st child was born I got laid off from my job and couldnt pay our rent anymore and we had no choice but to move from the apartments we were living in. We broke our lease agreement when we moved and the apartment complex took us to court to try and sue us for the remaining months left in our lease which was $10,000. With no money, bad credit and no new job yet and with a brand new baby we had no choice but to file for bankruptcy to keep from being made to pay the $10,000 in court. I saw this as basically our only option so we filed and got out of paying the $10,000. Right after filing bankruptcy I was able to get a really good job welding which started a new career for me which was a blessing from God, my wife is unable to work as we have nobody that has ever been willing to watch our kids for more than 1 hour unfortunately. I have been at my job for a few years now and since we have a little family now I realize how bad I need credit. My biggest dream for my family is to have a home of our own and I have tried and tried to figure out ways for it to happen without any luck. The bankruptcy on our credit reports really hurt any chances of getting our own home. We have been living in a small single wide mobile home for 3 years now, paying $725 per month and its only 2 bedrooms. Our 2 little girls are forced to share a room and I hate it so so bad for them. Over the years we have collected so many belongings, clothes and toys and we have all long outgrew the small mobile home. It has been my dream for so many years now for us to have our own home so that we can stop throwing away our money that I work so so hard for on rent and actually put the money towards something we own. Since we rent, it has taken my dreams of building my girls a playhouse in the backyard and getting them a swingset, painting each of the girls a room of their choice and being able to fix up our home the way we want it to be. None of us can really even do anything outside because we have nothing to do outside, no shade trees or outside toys. All we have outside of our mobile home is a sloped gravel driveway and the mobile home sitting on top of a large hill with no flat spots what so ever in the yard. I want so much more for my wife and kids, I also want to be able to have a yard to mow, a place to work on a vehicle, a place to teach my girls how to ride a bike and the ability to make a garden and a flower bed. All of these things are impossible while renting unfortunately. I regret messing my credit up 10 years ago like I did. I never realized that my credit issues from 18 years old was gonna have such an impact on my life 10 years later, nor did I even think that I would ever be in this kind of situation when I had a family. I am humbly asking as a good, hard working family man, loving husband and father for any type of help what so ever that you are able and willing to give me and my beautiful young family. Im not a bum and I have worked for everything that we own and tried my hardest to provide as the sole provider for my family and the only thing I cant seem to do is get us a home of our own for my girls to grow up in, for us to make family memories in. Over the last 10 years I have had to watch my sister and other family members that havent ever even worked a real job before get a home of their own with ease. There have been family members that have been lucky enough to inherit homes and everyone around us has gotten their own home except for us. We cant get a home with our credit and we have no chance of any type of inheritances in our lifetime unfortunately. I just pray daily that we are lucky enough to get a home of our own some day soon. I am asking for help with anything we can put towards our goal of a down payment for a home for a possible FHA home loan which would be probably 10% down, enough money to possibly buy a mobile home of our own that is used or new or enough to buy a small fixer upper type home because anything would be better than we have now. I have even thought about buying a couple of large buildings to put together to make our own home for us. If we were able to get a small home with an FHA loan, I would assume the minimum would be $80,000 for a small home so 10% would be $8,000 goal or anything beyond that for a mobile home so we can have a home. Anything is appreciated and I know that between me, my wife and our kids it will not be forgotten. Bless you for your contribution to this goal. It seems so far away but maybe with your help it will be closer than we imagine. Thank you!
My paypal username is @cguger and cashapp is $RayGuger, Ray is my middle name.
Thanks for everything and I will be sure to pay it forward in every way possible. Im not going to post a picture on here for privacy and im a shy type of person and dont take many pictures anyways, I apologize for not having a picture of some sort.