I’m asking for $5000 to help my family get into a home of our own by the end of this year. This money will not go directly to the home, but it will absolutely help us get approved for the mortgage. This money will go to a repossession of mine from 2019. I bought a car from a shady dealership in 2017, had to replace the whole transmission and turbo only 3 months after purchasing. Then, about a year later in 2018, the car broke again and kept turning off while driving – even on the freeway going 70mph, it would just turn off and stop! The car was not safe for me and my child, and I could not afford to get it repaired at the time. I surrendered the vehicle back to the lender in early 2019 (I surrendered it in September 2018, but they didn’t actually take the car back until February 2019. It sat undriveable for 5 months!) – and I now owe them close to $7k for the deficiency balance. This debt is accruing 25% interest every year, which is $1500 added per year (at this point, but its only climbing!) This repossession is preventing my approval for a mortgage, and if I can’t get in front of it now, I’m afraid I never will. The interest is stacking up so quickly on this debt, I just can’t keep up. This lender also doesn’t want anything but a lump sum payment, or else they are threatening to sue me for the amount. I don’t want this to end up in court, because then there will be even more fees on top of the added interest. The debt started off at only $4,400 in May of 2019. By May of this year, it will be close to $7000. I now have a husband, two big dogs, and another little one on the way. We are outgrowing our rental home, and buying a home is cheaper than renting these days, so – we need this. Please help us! My debt is holding us back, and I can’t come up with the money on my own to pay it off. It’s not that I’m not doing anything to help my situation, I definitely am. We are in the preapproval process with our mortgage lender, but they said I have to take care of this repossession debt first or else they can’t approve me. They have asked me to pay off my credit cards, which I did ($4000), and I’m making monthly payments on an eviction judgement from 2016, but this auto lender just will not accept a payment plan. Our goal is to close on a home by November, because our lease ends just after Christmas this year. We don’t want to rent anymore, we want to buy a home and put our money towards something that is worth it. Renting makes us feel like we are just throwing our money away, wasting it. We’ve spent $40k in the past 2 years on this rental home, we could be putting that money towards our own home. Please help us, my total debt for this is closing in on $7k, but if I can get help with at least HALF of that, my family and I would be so grateful.