My husband is a US Army veteran that did two tours in Iraq. We are both in our 40s, and have yet to own our own home. Right now, we are living in a house that is literally falling apart. The floor is sloped in every room, and the wall is sepeeating from the floor. I am afraid it will collapse. Thankfully, we have found a Schuber Mitchell Cottage Home and put $1,000 down, but we need to at least cover closing cost of the $124,999 home. That, by the way, is the least expensive home we could find that will not need major repairs. Construction should be complete by April or May.

There is also a great need for furniture that includes a lift recliner, refrigerator, washer, dryer, and bedroom furniture. Additionally, a ramp in the back will be required. Modification of the bathroom and doorways will have to be completed ASAP, because I am going to require surgery.

The following is a more detailed account of some of our medical issues and trials: Shortly after finishing my college degree, my husband and I got married. I began my career at the local community college, while my husband worked on obtaining a certification in welding. A curveball came when the defect in my heart that was causing SVT-AVRNT needed surgery. However, we both thought that our dreams would continue as planned after the healing process was complete. Yet, my medical issues continued. First, I was diagnosed with MCTD and Sjorgens. The next diagnosis was severe spinal issues -including my entire spine. Other diagnosis include DDD, osteoarthritis, stomach ulcer, tarsal tunnel, TMJ, and PTSD. I continued working despite those problems, as well as an appendectomy and a fecal transplant for C-diff.  Eventually, the time came when I could not continue.

My husband suffers from depression and PTSD, yet he works full time at Ennis Inc. as a foil operator and die-cutter. His hands and wrist are swollen from the work that he does, and it causes him significant pain. I am proud of him for working so hard, yet I also feel guilt for not being able to contribute as much as I feel I should be able to.

Note: The attached photo is of the add for the house we reserved and are praying we can close on when the time comes. If needed, I can send more documents about the house or health issues.

@4mahomes

www.Paypal.me/4mahomes

I am a humble person asking for help and I appreciate anything you can offer. I am doing my best to support my family and give it all I have. We are lucky to be very healthy and happy. We had a business failure about 4 years ago that we were half owners of and destroyed our credit and left us with lots of bills we were responsible for. I am lucky to have a decent job since then and have recovered pretty well so far. We have been renting a small basement apartment for the last 3 years and we are so close to getting a mortgage again. We are going through NACA to get a mortgage, which takes time and effort, but is a good option for us. We have paid off so many things, worked every little side job we can, budgeted every penny, saved our monthly “payment shock” (required for our mortgage to show we can afford new mortgage payment vs what we pay in rent now) and my family has been great about it all! Our last step to get the NACA mortgage is paying off the 2 remaining collections I have on my credit. The image shows the 2 collection accounts. Our next follow up NACA meeting is Feb 16th and to be approved, we need the “Jefferson collection” paid off for $1035. (the other can come in April) The agency said they would settle for $850 and remove from credit. So, I am asking for the $850 to pay and remove that collection, to be able to be approved at our Feb 16th meeting.

Thank you so much and many positive vibes your way!

paypal.me/tireguymatt

I AM TERRIFIED.  At nearly 66 years old I am in the midst of a financial crisis that can destroy me and my future.  I have no income, no husband, no children or anyone on whom to depend.  If I lose my house I will be homeless because, although my credit score is excellent, I don’t produce an income and my retirement account, coupled with my social security benefit, is too low to qualify to buy a house or rent an apartment.  While my home is not yet in foreclosure it is edging dangerously close.  I am at immediate risk of losing it, my car (which needs to be replaced), my good credit rating and all the things I worked to acquire in my lifetime.

I am often in a state of high anxiety, my stomach tied in knots and frozen with a debilitating fear, like a deer caught in headlights.  I have struggled to get back on my feet, doing everything I know to do, but it seems nothing improves my situation.  At this point, I don’t know what else I can do or where to turn.  I need help to get back on my feet and hope you will invest in me and my future.  If I am able to stabilize my income and restore my life to normal.

Things were not always so bleak.  I experienced years of career success with great performance evaluations, promotions, expanded responsibilities and significant raises.  Always considered competent, responsible and hardworking, I encountered a string of unfortunate events that derailed my career, adversely impacted my life and lead me to this point.  The ongoing and current problems are listed below.

Underemployment and unemployment.  The biggest issue has been underemployment and unemployment.  Over the last 15 years, I lacked secure employment, a competitive salary and a consistent income.  In 2008, there was a marked decline in the economy and the nonprofit sector was hit hard.  This made it particularly difficult to find adequate employment.  I diligently search and searched for work and acquired more education and training to help improve my ability to find a job.  Further, I became an older employee, 50+ years old, and a victim of ageism.  Employment continues to evade me.

Insufficient Retirement Savings.  As my peers settle comfortably into retirement, I am filled with anxiety, uncertainty and fear.  Over the years, to supplement my income during periods of unemployment/underemployment, I withdrew funds from my retirement savings to stay afloat.  This happened more often than I would have liked, rendering it ineffective as a source of income.  At same time, my mother in another state, became critically ill.  Again, I withdrew from my retirement account to look after her in her final years.  At the time, I thought it would be easy to find work and replace the withdrawn funds, but I was wrong.  Further, as my income dropped the calculations for my social security retirement payment became insufficient to sustain me.

Depression/Anxiety.  My situation is compounded by my periodic bouts with depression and anxiety.  Most days I am able to rise above my mood, be positive and count my blessings.  But, the threat of losing my home and the knowledge that my retirement funds are insufficient to support me in my golden years, is overwhelming and stressful.  I am humiliated to be in this predicament at this age, feel like a failure and am withdrawn and secretive about my dilemma.  This has and continues to take a toll on my self-esteem, confidence and mental health.

Ineligible for lower interest rate on mortgage.  My mortgage provider approved me to participate in the pandemic forbearance relief payment plan.  This allows me to forego my mortgage payments, due to hardship, until February 2021.  The unpaid amount accrues and, when I resume my regular monthly mortgage payments ($1,613.79), the full forbearance payment comes ($7,530.40) due for a total ($9144.19).  I will be unable to bring my account current but planned to avoid this issue by refinancing with another lender at a lower rate.  When discussing refinancing with this lender, I learned that my participation in the forbearance program makes me ineligible to refinance at a lower interest rate.  This is very unfortunate since my interest rate is nearly 5% and refinancing can significantly reduce my monthly payment.  However, I will have to pay the total debt created by the forbearance to qualify for a lower interest rate.  This will costs a little more than $9,000 .  The payoff for the house is about $142,000.  (My mortgage company does not refinance.)

Denied Pandemic Unemployment Insurance Benefits:  I learned about the Pandemic Relief fund, a special unemployment insurance benefit for individuals affected by the pandemic.  I applied and initially, received notice from the Department of Labor indicating I may qualify and listed the duration and weekly amount.  Countless times I attempted to contact them to verify my eligibility with no luck.  After 6 weeks I received a letter saying I was ineligible because my unemployment was not due to COVID19.  This is unfortunate because, since I have no income,  I could use those payments to hold me over until I find a job.

Conclusion:  I have tried to be brief yet share enough of my background and need for assistance to make a compelling case for your support.  I hope you can find it in your heart to bless me with a monetary gift.  I have not asked for a specific amount and will be appreciative of any assistance offered because it will reduce my anxiety about foreclosure, restore my peace of mind and improve the quality of my life.  While I have many financial obligations, keeping my home is the most critical; I don’t want to be homeless ever, especially when I am most vulnerable, in my “golden years”.  My wildest dream is to pay off my mortgage, alleviating my anxiety about losing my home and without a mortgage I may be able to stretch my retirement funds to take care of my other needs

paypal.me/MCMathews

Hello,

I am need of assistance from kind people like yourselves who are reading this. If you viewed the attached picture, it shows that I owe roughly $103,000.00 in the form of loans and credit card debt. Truth be told, I did not expect my debt to accumulate this much in the span of 3 years of working. I actually did not have any debt getting out of college. I was very diligent with my spending making sure I didn’t go past the 30% mark of credit. Sometime at the end of 2018 to early 2019, my finances began to take a turn for the worst. I accumulated 30k in credit card debt and I wasn’t sure how it happened. Later on, I sought the help of professionals and found that I have bipolar disorder where it partially explained the excessive purchases. As to what triggered the purchases, varied on the emotions that I would feel. At this point, I still found myself lucky because at the same time, I was also on the brink of suicide. Somehow I was still able to maintain making payments even when I lost my job to the recent pandemic. Unfortunately, my mental disorder has manifested in a different manner where i wouldn’t even be able to sell any items to payoff any debt – instead of buying excessively, i started gambling. This is something that I have never had problems with before – when i don’t have money, i wouldn’t be able to gamble. But recently I hit a new low and started borrowing from friends which I have been regretting as now my friendship with them is in turmoil – just at the moment where i need the support the most. I’m not asking for money to gamble. I’m slowly trying to regain control by avoiding any temptation and to automatically set transactions to billers. However, I am asking for help to pay back my friends while also trying to see if I could get assistance in reducing the amount of my debt. I can make payments to my debt. However, because of the gambling, I’ve fallen behind in payments by a few months so I am now behind on all my payments by nearly $25,000.00 because the money that I intended on using to pay those loans, went to my gambling problem and the interest and late payments have started to accumulate. I have reached a point in my life wherein I am not afraid to say that I need help to regain my financial stability, but to regain my self respect for myself in order to forge a better life for myself and those whom I encounter such as my family who has gone through an ordeal because of my spending and gambling.
To whoever is reading this, I do hope that you may not judge me for asking for the assistance, but rather to see how fortunate you are that you are not the one that is in my position.
To those who are willing to help, I owe a great deal of gratitude to you.
As for those that have stuck by and finished reading this letter, I thank you for taking the time to read it.

My PayPal.me link is paypal.me/failedtosucceed

Divorced single mom looking for help to pay off mortgage which is 60k.  After me divorce 15 years ago my ex wasnt paying child support for our two children. I was working but had no money trying to keep up with bills and the kids. I worked three and four jobs trying to hang on.  My son was  5 and my daughter 12 when I got divorced. I was able to hang on to the house until my son was in 11th grade but by then the mortgage had kept rising along with all the other bills and we lost our home to foreclosure. With no money and no where to go my mother took us in. Thank God for moms.  The court finally caught up with my ex and with child support I was able to put my son through four years of college.  I lived with my mom for six years.   As my mother was around 85 she had the discussion with me about her plans for after she passes away and my living situation. She wanted to leave me the house so I wouldn’t have that worry hanging over my head the rest of my life.  I’m one of seven children and the oldest four were not in agreement with that.  She had asked to be taken to change her will but one wouldn’t and one procrastinated and unfortunately she had a massive stroke and died before she could get the will changed.  After her passing a family meeting,  without me,  concluded that the house would be sold and split amongst the seven and I would need to find another place to live. Now this was quite the shock to me because we are a tight knit family and have never had any problems or fights.  All six older children have well to extremely well paying jobs and homes paid off kids grown etc and were in no need of any financial help. The younger two offered me their help in that they would give me their share to purchase the house myself.  The house was appraised and I had to pay full price.  It’s been three years now and I have never held a grudge with my siblings and kept the peace in the family but the pain runs deep.  During the course of all this my employment was going to be terminated due to cut backs and loss of revenue and after 14 years of service there I had to look for another job which isn’t easy at the age of 54.  Fortunately I did find another job and I’m sm working hard making ends meet I’m just so tired of struggling. I work any overtime I can to make it thru but every time I want to do anything I have to skip this bill to pay that bill and now I’ve gotten myself in some credit card debt and that’s not helping.  If I didn’t have a mortgage life would be so much easier and so much more enjoyable and just maybe I could actually take my kids on a real family vacation just us, that’s my wish thanks for listening.

paypal.me/MLeistner65

My name is Roger and I am at a situation now in my life that I have to cry out for help due a long life of depression and mental illness.

Speaking about my situation is very difficult and I’m scared of the stigma surrounding mental illness. My experiences in the past had led me to keep my feelings to myself, which I had been doing much of my life. It takes a significant amount of trust for me to talk about myself even with my doctors and therapist..

I have depression and anxiety and I often lay at home on the couch staring at the ceiling and just think,  my mind races with dark sad thoughts, and I can’t stop them.  I cry a lot and EVERY day I think of ending my life.  I have had this illness my entire life, but it wasn’t until later in life that I started to address it.  This illness has caused me to be medically discharged from the military, contributed to the dissolution of a fifteen year marriage, and on two occasions resulted with inpatient admissions to mental health facilities.

I had been employed at a University for several years but I could tell I was becoming more and more withdrawn from my fellow employees and couldn’t maintain any focus or concentration in my duties. I felt it was inevitable that I would lose my position and tried to take another position elsewhere, this resulted in me having an extreme panic attack that inevitably led to my dismissal because of unauthorized  absences.  I took a small cleaning job at a bank after hours but even that was causing me to become anxious and afraid because I would have to leave home.  My depression has changed my life. It’s an awful thing to experience, as it has impacted my relationships, friendships, how I act, how I think and how I interact with others.  There are some days that are worse than others and on the “good days” I am always afraid of when those feelings will resurface because it is a constant battle to appear normal.   I only leave my home unless absolutely necessary for groceries, emergencies or visiting my aunt who is confined to a nursing home. Visitation with my Aunt helped with my anxiety and made me feel more relaxed but now due to the pandemic they have ceased all visitation and I believe I will never again get to hold her before she passes. I never wanted to be in a situation as I am now, I had hoped to have a career in the military or law enforcement but this illness has denied me any chance of that. Under the advice of my family, therapist and Doctor I have applied for disability in order to survive.  I have exhausted all of my financial resources for this time consuming process and have had to borrow money from family and friends just to survive this far. I have had to apply for public assistance and this goes against all of my beliefs. My utility bills are overdue, my mortgage is in arrears and my transportation is failing. I have exhausted all of my resources and find myself on the verge of losing everything. My home is my “safe place” where I feel some sense of normalcy with my aging and loyal dogs, and my other animals.  From always being employed, self sufficient, and self reliant for the last 35 years I find myself begging for enough assistance to carry me through the next few months to care for my animals and maintain my home while I wait through a very humbling experience.

Thank You

Roger J Hall

Hi, thanks for taking the time to read our story. Our story starts when my wife and I met 16 years ago. 4 years later we welcomed our daughter who is a beautiful, big hearted, and  most compassionate little person ever! Fast forward 7 years and now we welcomed Elijah. Our little family was complete. At about 18 months we started noticing that E was not hitting all the “normal “ milestones for a child his age. At the next doctors appointment we we’re referred to a neurologist and was given Elijah’s Autism diagnosis. We we’re determined to give him the best treatment and help that we can possibly find. We lived in Texas at the time and we soon found that Texas had very little to no help for kids on the Autism Spectrum. So doing what I hope any parents would do for their child with special needs in order to get him the best care and therapy we moved. I sold my half of a small business that I was a part of , which wast much. We used that to move to a state that had great benefits for families with members that had Autism. We left what little friends and family we had in Texas to be able to give our son a fighting chance at life. We moved to beautiful Colorado. Early intervention for Autism is key, so without missing a beat we left Texas in 3 months. So naturally we didn’t know how the housing situation was until we got here. Everything is so expensive here, from food to housing. Sorry I had to give some sort of background on our situation. My wife and I don’t have and immediate family on either side. My parents died when I was 18 years old and my wife’s parents are divorced and have other families that are not part of her life. So unfortunately my wife and I are alone as for as any kind of support system. Not only financial but more importantly we don’t have anyone to call and say ”hey I’ve had a rough day” etc. that’s another story for another time. Our son is non verbal, and doesn’t understand dangers, or that if he walks off a ledge he can hurt or die for that matter. We don’t know what the future hold for him. That’s what’s so scary for us because we don’t know what is gonna happen to him when WE die. Since we don’t have family to help once we’re gone, we’re forced to put the burden on his beautiful sister. We hate that that’s our reality, but it is. We don’t want Elijah to end up in a home once we’re gone. It breaks our heart to think that. As I write this at work I’m sobbing as I type. Our  plan is to get us a forever home very soon, so hopefully by the time we go see our maker, the home will be mostly paid for or the mortgage is low enough that our daughter can be able to pay it while still being able to care for Elijah. I want her not worry about rent and also being her brothers everything. In order to accomplish this I’m asking for any help that I can get so I can pay off some debt that is holding us back from being able to be approved to buy a forever home. I have federal loans from a school for profit that was shut down for fraudulent activity.(ITT) We also have some collections accounts that equal to about 6,000. Due to COVID my wife has had to stay home with our son because the therapy center he was in had (2) different Covid outbreaks. Kids with special needs and sensory processing disorder have a harder time leaving their masks on  and social distancing, like my son they don’t understand it. We’ve  decided to keep him home. Our income is now cut in half, and we don’t have family or even friends that can help. We’re asking for anything that you can give. Thank you for your time.