My name is Patrick,I’m 40 years old, disabled, and the father of 4,and living on a very meager fixed income.I am writing this in hopes of getting some form of assistance with my mortgage which is currently in foreclosure. I had a major disagreement with the mortgage holder back in July 2018, i had had a previous foreclosure attempt made by them from 2017 after an accident that left me hospitalized for months and unable to keep up payments for 6 months, in February of 2018 i paid the previous amount due in full and brought it up to current. In March of 2018, the mortgage company failed to notify the proper departments that i had paid the previous delinquent amount in full, and they proceeded to hire an attorney to continue with the foreclosure process, the entire process continued without my knowledge up to the point that i received a letter in June 2018 stating that the process has been completed and that i no longer own to my home. After receiving this letter i contacted the mortgage holder, and they told me that there was nothing to be concerned about, that it was simply a mistake on their part. The following month i received another letter from the mortgage company stating that i owed $5481 for attorney fees that were charged in March of 2018. Naturally i called the mortgage company again to dispute this charge, they informed me that there was nothing they could do about the charges despite my having already paid the aforementioned delinquent amount back in February and that i was no longer in the foreclosure process at the time the charges for attorney fees were added. I refused to pay them another dime until they resolve the matter. And now here we are over a year later in the foreclosure process again. I am not certain what type of help i need but that i simply need some form of help in dealing with them. They are a government backed mortgage company, and therefore they do not care enough to help to resolve their own mistake. It seems as though they would rather just foreclose on my home than simply remove the attorney fees that i am clearly not responsible for. At present i am over $10000 behind on mortgage payments with the $5481.00 fees still included. I have made multiple attempts to work things out with the company, they will not compromise beyond admitting that it was their mistake. I have been given the run around time and time again and i’m at the point, i don’t know what to do. 2 of my 4 children are special needs, the oldest son has cerebral palsy, my 9 year old daughter has autism spectrum disorder. This house has been specially modified to accommodate their needs and i hate to lose it, but it doesn’t matter if i won $10,000,000 on the lottery tomorrow i would not pay this mortgage company the 5481.00 for attorney fees that i am not responsible for. I would sooner give the $10,000,000 to an attorney of my own choosing to sue the mortgage company for mental anguish at this point. Being that i can’t afford to play the lottery, it is highly doubtful that i will win it. I am in dire need of help in finding a new home suitable for the needs of my children, or the means to fight this foreclosure in court. Time is getting short as I’ve already exhausted all avenues to resolve this on my own to no avail. If anyone who reads my plea, can find it in their heart to help me I would be forever grateful and would do my best to repay their kindness an any way I could. I would never ask for something for nothing, I wasn’t raised that way, I legitimately need help, not charity. Please email me at Demonero315@gmail.com with any possible solutions you may be able to think of.

paypal.me/PBalch

Hi. as the end of the year approached everything was looking to be in order and as you know right as everything seems to level out thats usually when something happens. well, that something happened. i was driving a beater vehicle and so was my wife. her car broke down so we had it towed off to be fixed. we had a hard time coming up with the money to get it back from the dealership so we were doing the one car thing for a bit and then BAM, my car goes down too. my car was old and it would have cost way more to fix the issue than it was worth. so we did the rental car thing for a while until we could save up and get her car from the dealership. well, we finally save up the cash and head to the dealership to pick up the car..

we get there and they pull the car around. while the car was on their lot, someone stole her sun roof out of the car and no one seemed to notice. the car was completely ruined. there was 6 inches of water in the back floor. grass was growing several inches out of the carpet. mold everywhere. we were devastated. we asked them how much a new sun roof would be and they qouted us 3k not including labor. once again.. as a family of 5 we could not afford that. the dealership worked with us the best they could given the situation. we got a new car but we are still stuck doing the one car thing and the new car set us back. we are currently behind on our mortgage now, bills are due, and we dont really have the extra money for christmas and i dont want to disappoint my family. my oldest daughter has a field trip coming up that she really wants to go on thats 1400+ dollars and it just seems like its never going to end.

i’m not asking for a set amount but i can say that if i could raise 3-4000 dollars we could catch up everything and get going in the right track. i’ve never been the kind of person to ask for charity but im out of options at this point.

if you read this far, thank you from the bottom of my heart for even listening. if you can help at all it would be appreciated so much.

happy holidays.

paypal.me/baconmetal

My family has gone through a lot of loss lately and health issues. My son has been in and out of hospitals and services throughout his 4 years. We are finally getting to a point where he is getting better but in doing so we have become behind in our mortgage and some car payments. We are just looking for a little help to get back on track so we can actually go out and do stuff again as a family instead of living paycheck to paycheck to pay all the bills we can. I was able to work a third job to get a couple gifts this year for my two boys and my wife and I are only giving each other cards because we want our kids to be happy on Christmas

Thank you for reading this and if you can help at all it would be most appreciated to my family and me.

https://www.paypal.me/Bovefamily

Dear Reader,

My wife and I met in 18 years ago. We were truly blessed with our beautiful daughter in a year later. My wife worked at a large auto manufacturer and I worked at a small auto parts supplier; we were comfortable. We made the unfortunate and, in hindsight, naïve decision to purchase a house at the top of the housing boom. When the economy entered the “Great Recession,” we were soon upside-down on our mortgage to the tune of about $40,000, and therefore no equity available. The auto company where my wife was employed offered her a buy-out. She had previous college credits from years ago that would transfer to other universities and part of the buy-out offer was to pay tuition to college along with a stipend for four years. My wife always had dreams of completing her bachelor’s degree and she was very unhappy at her place of employment for several reasons, including feeling mistreated by fellow employees and management. She decided to take the buy-out offer. During this time, the stipend she received was quite a pay-cut from what we were used to. This meant that many purchases we made for the four years were on credit cards and in some cases, personal loans through our credit union. We figured that once my wife had her degree, she would be able to find employment with significantly more pay than she was previously earning, and then we would catch-up on our debt. That has not happened. She has been employed since graduation, but the pay rate is no where near where we were hoping it was going to be so the credit spiral has continued through to today so that were have credit card debt around $75,000. I know, crazy! I cannot believe we are where we are. We are maxed out on our retirement fund loans at this time as well.

We obviously lived beyond our means, although with the plan that we were going to catch-up later (I suppose that is what everyone in our situation thought in the beginning). However, one of the costs we decided to pay no matter what, was to send our daughter to private schooling. This was expensive, of course. We believe, even to this day, that it was truly the correct decision because she has thrived at every level to where now she has an overall high school GPA of over 4.0. We never pressured her to do that, that was her own decision. Our daughter is like an angel on Earth; she has never been in any trouble whatsoever. She is very empathetic and volunteers her time to help others. She is now a senior and has been accepted to each of the five universities to which she has applied. She has also qualified for some tuition assistance to four of the five universities; however, it is a small percentage of the total costs. She has entered competitions for additional aid as well and we are following the procedures to apply for aid through the government as well. One problem with the federal aid, as far as I understand it, is that they do not consider the parent’s debt at all in formulating whether a student qualifies for any amount of aid. I feel we have let her down to an extent because I do not believe we are going to be able to help her much financially. She will ultimately have to take on thousands of dollars in student loans that will no doubt be hounding her long after I am gone.

I am not asking for $75,000 to pay off our credit card debt, that would be ridiculous, I know. I am not even asking for someone to pay my daughter’s tuition (how great would that be though?!). What I am humbly asking for is to catch-up on a few bills, mainly our mortgage payment which come December 2 will be two months behind ($2,245.16), our utilities that was due November 17^th which covers water, sewage, etc., electric, natural gas, cable TV (we only have the basic package), and internet ($429.52), and our largest credit card payment that was due on November 19^th ($594.00). This totals $3,268.68.

I do not know how we are going to purchase gifts for Christmas, but if we receive any help, it will go a long way to buying us some time, at least until our income tax refund we usually get in March which gets our heads above water for a short time.

It seems as though there is not a lot of help out there for people like my wife and I where we are not quite to the level of foreclosure or bankruptcy, but yet were are struggling week to week to pay our bills and in many cases some are perpetually late. And then the late fees are added, and the downward spiral accelerates.

I sure hope you can find it in your heart to help us out with anything you can afford. Certainly, once we are in a better financial situation, we will pay it forward as much and as often as we can.

Thank you for your time and consideration,

We are truly grateful for any help you can provide.

https://PayPal.me/regency44

p.s. I do feel ashamed to be asking for a hand-out. It sucks to be in this situation. I am sorry.

My name is Jason Chappa. I am forty five years old. I am married and have two children, ages eleven and nine. I am reaching out to you, asking for your help in alleviating the long lasting consequences of the mistakes and unwise decision that I made in my youth that I have been carrying with me for over a third of my life. I have over $24,000 in credit card debt and more than $100,000 in student loans between my wife and myself, along with a $134,000 remaining on my mortgage. This debt isn’t new. I haven’t acquired any new credit card debt in over seven years. Because of only being able to pay the minimum amounts due on my debt each month or sometimes being late because of unexpected expenses, the interest rate hikes and late fees have turned my debt pile into what seems to be an unsurmountable debt mountain.

What I would like to convey to you is that I am not asking for your assistance because I don’t want to pay my own financial obligations. I am positive that I have fully paid all that I have taken over the years, and much more. The reason I am asking for your help is because I can’t escape the trap that lenders set for young and unwise borrowers that haven’t been taught the dangers of credit cards, and borrowing without a complete and thorough explanation of exactly what it is they are getting themselves into. “How did I get into this trap” is something I ask myself almost daily, every time the phone rings and a creditor leaves a voicemail or a letter shows up in the mail saying I owe more money than I can pay. I would like to give you a bit of background on who I am so this letter doesn’t seem like only someone asking for money without understanding a little bit about the person you are helping out, and explain a bit better the circumstances that have brought me to where I am today.

The biggest moment that altered my life was when I was nine years old and my mother passed away from a three year long battle with cancer. My father was suddenly thrust into having to take care of three boys, ages nine to seventeen. Along with this my father was also responsible for paying a massive amount of medical bills, causing him to take on two jobs and be away from home most days and evenings. My brothers and I learned to be self-sufficient and take care of ourselves however we could. Soon after my mother’s passing my oldest brother joined the Marines to escape the depressing atmosphere that had taken over our home. This was his escape which was most fortunate for him. The Marines taught him discipline in many aspects of his life, including financial discipline.

My middle brother is extremely gifted in math and spent most of his time pursuing his education. He spent five years at home after my mother had passed before heading off to college where he obtained his Master’s degree and now has become the associate dean of the math department at UT Tyler. Even with his extensive knowledge of math, his Master’s degree, and a good paying job, he still has difficulties managing his finances because he was never taught this at home or at school.

As I mentioned earlier, I was nine when my mother passed away. I spent ten years living in a home where I mostly took care of myself. I was responsible for cooking, cleaning, and getting myself to school. My father only had a high school degree so the jobs he had didn’t pay adequately to match the amount of hard work he did. I watched my father struggle to pay our bills. I saw how he would use credit cards to pay for the things, not realizing at the time that this would have the same outcome on him as it has had on me. It just seemed so easy then. If you wanted something you would pay for it with a credit card and worry about it later. If he would have shared the struggle of the endless cycle of debt with me when I was younger I feel that it would have impacted me and helped me realize the trap that credit card companies use to pray on desperate people. As good parents do though, he wanted to shield me from his problems so that they would not become mine. Unfortunately I followed his example.

I moved out from home when I was nineteen. Ten years after my mother had passed away the environment in my home hadn’t changed much. I had a steady job and felt that I had to get out on my own. Not having many of my own belongings from living at home, I had to furnish my new apartment. This was my first experience with my own credit card. I bought a washer and dryer from Best Buy. It sounded great when I applied for it; a $1,000 line of credit, no interest for twelve months, a ten percent discount on your fist purchase, and renting a washer and dryer from the apartment complex was going to more than my monthly credit card payment, and I get to keep the washer and dryer. I made my payments on time for the first twelve months but didn’t really understand at that time that the interest would accrue if I didn’t have the full balance paid off after the no interest grace period had elapsed. What I thought was going to be a twelve month purchase turned into 30 months and ended up costing me a lot more than I had expected.

That was the beginning of my mistakes; I spent money I didn’t have and didn’t have the ability to pay back. Coming from a childhood with countless examples of struggling and making it by any means you can made this seem normal. I continued this cycle for many years and as time went by the amount of creditors I owed money to steadily increased. I always thought that at some point I would be able to get caught up with all off the debt I owed and get to a point where I could actually keep some of the money I was earning. But here I am, over twenty five years later, still struggling to get out from under the overwhelming pressure of debt.

There came a point in my life when I recognized the cycle I was in and that the only way I was going to get out of it was through making impactful changes. The way I thought this was going to happen was simply to make more money. I told myself if I made more money I could pay my debt more easily, eventually putting me in the position of having no debt at all. I began talking with my brothers about wanting to improve my income because both of them have successful careers. I didn’t share with them the struggles I was facing from my debt, only that I wanted to make some improvements in my life. Their advice, naturally, was to continue my education. As tough as it was to make the decision to commit to going back to school I decided that this could be the impactful change that could turn my situation around. I enrolled in school and continued working full time. Because I was already struggling paying my current debt, I took out student loans to cover the expenses of college. They were glad to give it to me with, and with little effort on my part. Because I was working full time it took me six years to earn my Bachelor’s degree, each year accumulating more student loan debt. As long as I was enrolled in classes I didn’t have to worry about paying back my student loans. I knew for sure that when I completed my degree I would begin a new career and make enough money to support myself and be able to manage my past debt and my new student loan debt. I did complete my degree, with high honors, and felt proud and accomplished. That excitement and renewed sense of hope was soon extinguished when the student loan payments started coming in the mail. I was able to utilize my degree to obtain a better job, but not to the degree that I expected, and now I had another large sum of debt to contend with.

While getting my degree did help improve my income somewhat, I found myself still not being able to keep up with my debt. I was working 40+ hours every week and trying to live on a modest budget. During the course of the six years that I was in school I met the woman that would become my wife, and the week before she graduated we found out we were going to have our first child. This brought to light that education alone was not the fix-all solution to my debt problem. I realized I had to change my fundamental thinking rather than my doing. I had only ever witnessed and experienced living in perpetual debt and had grown accustomed to that lifestyle, thinking that it was a normal way to live. With that old mindset I was constantly paying and paying, thinking that eventually it would lead to financial freedom. Even through six years of college I had never been educated on the way the debt system works and the logic behind how money lenders want to keep you paying and paying for as long as they can, with minimum payments, heavy fees and interest rate hikes when you have late payments. I quickly learned how that for every $100 I was paying less than half was actually going to the amount of money I spent. I learned to stop depending on credit so much and figured out how to live without them. Unfortunately the long term effects of my previous bad habits still plague me. As I said in the beginning of this letter, neither my wife nor I have used credit cards in over seven years. The only new debt we have taken on is the purchase of a car because we were involved in a wreck two years ago. We live a very modest lifestyle.

I am not asking for your help only to be back in the same situation a year from now. I have learned the hard and cruel lessons of debt and I do not want to ever be back in that position again. I do not want to feel the relentless pressure and stress of always owing. I want to enjoy the freedom of knowing that I’m not working for someone else. I want to be able to lay down a solid financial foundation so I can provide for my family and prepare my children for a successful future, making sure to pass along to them the lessons that I have had to learn in the most difficult of ways.

Thank you for taking the time to read this. If you can help my family in any way, I would appreciate it in ways more than a few pages of words can express. You would be helping me more then with just money; you would be giving me my life back. My most pressing need at this time is to get caught up on my mortgage payments. I am two months behind which would require $3,368 to bring this account to being current. I am also two months behind on my car payment which would require $648 to bring this account to being current. After getting caught up on these necessities our amount of debt is $271,000 from our mortgage which is $134,000, our student loans which exceed $100,000, our credit card debt which is just over $24,000, and our auto loan which is a little over $13,000.

Any amount that you are willing to contribute would be applied directly to those debts. I am willing to provide you with confirmation that your generosity is not being taken advantage of with receipts and statements showing the progress you are helping me make. I am not just asking for you to give in blind faith, and if you would prefer to contribute directly to my creditors I will provide you with the information to do that as well. I was instructed to upload documents proving my financial need but I don’t feel secure posting that type of information on any website. I will send individuals that are considering helping me those types of documents on an individual basis, as they are requested.

Thank you again for the generosity and willingness to help a stranger in need.

Sincerely,

Jason N. Chappa

PayPal: paypal.me/jnchappa

I am working at 1 full time position as a line worker, and 2 part time sales positions and I am still struggling to get out of debt.  I am lucky that I can type this at work on break; otherwise I would not have the time to ask for help.

I never thought I would beg; but I am hurting and so is my family.  I am doing my very best to keep it together.  My parents went through a bankruptcy and lost everything but the home because my step dad ended up in prison for a DUI.  I am trying to keep up with my parents house & utilities as well as my own because I live way too far away from them to be able to live with them.

Also I dropped out of college in 2015 when my step dad first went to prison, in order to begin working at multiple jobs.  When I dropped out of school I lost my financial aide and ended up owing the school $4935.00 which ended up in collections because I was unable to pay it.

I have maxed out the number of loans and credit cards I can get to keep the electricity on for my mom and little brother that live in Idaho.  I was in Oklahoma when this happened and working full time already.  I just took on 2 more jobs in order to take care of myself a little too.  I don’t smoke, I’ve never done drugs, I just was about to finish college and I can’t abandon my family no matter how far I live from them.

Therefore; I am begging you to help me and my family get out of this situation so that I can go back to school and my mom can take care of my little brother without worrying about feeding him, but about what shirt to get him for a new school year.  The total debt that we are in right now because we took out loans and credit cards to pay mortgage, rent, utilities, and buy food, and clothing is roughly $58,000

My monthly bills that I am taking responsibility for is $3200.

I have been using the Earnin app and Speedy Cash to keep up with these bills because most of the time I don’t have enough money by the time the bill is due and I’ve ended up in this vicious circle of paying them and renewing them over and over.

If you do donate please give me your email address so I can properly thank you and keep in touch for when I finish my engineering degree and start getting ahead to give back.

Thank you so much for reading this entire message if you made it through. <3

God Bless