We desperately need help paying our bills. My husband and I have been together since 9/2007 and married since 9/2016 and have been through a lot together.
This is most definitely very difficult to ask for help like this but we literally have no other options. Before the pandemic made its stride my husband had just purchased a truck and flatbed trailer for a hotshot business he wanted to start. He had everything ready except the required insurance because of the changing rates. Because of the pandemic, my husband James was not able to start his own business as a hotshot driver due to the severely high insurance premiums required for the business to move forward. Since we could not afford the $30k+ insurance premium, that business never made it off the ground. While he had a job still with Safelite as an Autoglass technician for more than 5 years, he was soon furloughed after hours had been severely cut back. He was brought back about a month later but had plans for starting his own Autoglass repair company since we now had a very large truck note for a truck that was meant for the hotshot business and too expensive to sell without being severely upside down on the loan. So he started his own Autoglass business. While the company started off and he had customers, it was not enough to help keep our bills and expenses fully paid and where they should be due to all the start up costs. Another hit on the business success was the pandemic’s effects on access to autoglass itself. Since a lot of businesses were not considered essential, they were not producing their products. Unfortunately, glass in general was one of those non-essentials. Since it wasn’t considered essential, glass factories slowed down or stoped production all together due to the COVID-19 pandemic. On top of the glass factory closures, the vaccine rollout also caused a massive need for glass to produce the vials for the vaccine. If that wasn’t already enough, another issue to make it harder to obtain Autoglass was that the large corporations in the autoglass industry purchased all the autoglass inventory they could, basically rendering small businesses unable to obtain any for their customers and keep their business afloat.
Because of this, we had no other choice but to rely heavily on credit cards which quickly filled up during 2020. While my job working at a solar company seemed to pick up during the pandemic, my pay still did not amount to nearly enough to cover all of our bills. With our credit cards fully maxed out, the business not able to bring in income due to lack of obtaining Autoglass for his customers, not qualifying for unemployment or any financial assistance, among other things, we have fallen very behind on our bills and at risk for severe action from the lenders and could lose our home. Most expensive bills being the mortgage for our home and the truck note.
I hate asking for help but we truly need it. I don’t know what else we can do, as we are already thousands behind and cannot afford to take on another loan to pay for these loans that are behind (if we are even approved!)
I hate to keep saying it over and over, but pre-pandemic we were on the way to clearing up debts and working towards starting our own business. It’s so disheartening to look how far we came to eliminating credit cards and other debts to have to max them out all over again just to survive and to be in even more debt than before. For the past year I have struggled to balance working full-time, helping support my husband in his dreams of owning his own business after his previous job continued to treat him like garbage, keeping our bills paid to the best of my ability, and staying mentally there with all that was going on around me. We have been so stressed out with this and see no other options to keep us from losing all that we’ve worked hard for.
I fully understand that things could be a lot worse and in no way do I think we are more deserving than someone else with a lot more going on, but we need help. Anything truly helps and is very much appreciated! If you were to ask anyone who knows me, I rarely (if ever) ask for help and it’s really hard for me to do so. Anything you can do to help is so truly appreciated more than any “thank you” could emphasize.
Please help us keep our home and the vehicle needed for the business!
-Mortgage is normally $1064 but our insurance premium went up making our monthly payments around $1275.
-Truck note is $940 (heavy duty truck meant for hauling large loads) *unable to refinance because too much is owed
-Both behind 3 months, almost 4