We’ve dealt with some hard times before and are perfectly content living modestly, but this has been one of those…”when it rains, it pours” seasons of life. From taking a lesser job to avoid layoff, resulting in an $800 reduction in our monthly income, to a handful of unexpected bills equaling more than we can handle…our well went out resulting in an unexpected $3000 bill, recent auto repairs, dental bills, etc… But the big one was a bill we were unaware of until our credit union unearthed it. Years ago we were in a hardship program with our mortgage company, the situation seemed a bit shady at the time, but we had no choice but to accept the terms. What we though was helping us turned into years of bad credit, resulting in limited financial options and $1000’s of unnecessary dollars being thrown away, due to only qualifying for high interest rates. (I have come to find out while currently working to repair our credit, that our credit should not have been affected in this type of program…but that’s a whole other story) In addition to the credit issues, the amount we thought was rolled back into our mortgage at the conclusion of this program, was actually set aside with another company and has come back to haunt us in the amount of $28000. While I was working to figure out exactly why we owed this and figuring out how to pay (I was VERY MUCH in contact with the creditor) they transferred it to collections saying we now owe upwards of $42000. See…when it rains, it pours. This is where I have hope; rather than seek that ridiculous amount of money (which I am currently trying to negotiate back down) I am hopeful that our story will stir up some benevolent hearts so that we can pay down some other debt and complete a handful of home improvements in an effort to roll that debt into a home refinance in the next few months. We work full-time and do side jobs when possible, but never seem to get control over looming financial difficulty lately. I am at a point in life where I long to live comfortably within our budget, have a little savings and be out from under past hardships that have come knocking at the door. I appreciate your time and genuine heart. May your act of kindness come back to you in all things good. Thank you.