Hi, my name is Sam and I’m looking for help getting caught up with rent and bills. My son and I have been barely getting by for the last several months, and now with Christmas here it’s all come to a head.
Earlier this year, I was laid off from my job as a direct care provider for a woman with a developmental disability. The woman was hospitalized long term, and the agency I worked for just didn’t have enough clients to keep our team on the payroll any longer. I’ve spent most of this year job searching, and managed to score a temporary position that took care of us for awhile, but that’s ended. I’m currently job searching, but am having a hard time as I have limited availability. (I can no longer afford the daycare my son used to attend at $250 per week, so I’m limited to working between 8am-2pm when he’s in school- 1st grade).
I’ve signed up to drive for Uber in my spare time as well, and that’s helped a bit with small things like groceries and gas money. However, the combined several weeks I spent jobless this year have left me way behind on many bills.
I dropped the non essentials months ago, such as Netflix, wifi, etc., and have completely stopped paying my student loans. Both of my capital one cards that had always been in good standing, ended up maxed out and closed. My credit dropped from a 670 to the low 500’s this year due to all my late and missed payments. I’ve taken out 3 different payday loans this year, and am currently paying back a title loan on my car.
The main thing I worry about though is rent. I’m terrified that my son and I will lose our home, or have our electricity shut off (both of which we’ve come dangerously close to a few times now). I haven’t yet paid December’s rent, and have no idea how I’ll pay January’s. I owe the electric company (AEP) over $1500 at the moment, and they have me on my 3rd payment arrangement, leaving me with a $300+ electric bill every month.
My bank account currently has -$11, and my PayPal is over $30 negative. I’ve attached screenshots of these accounts, as well as a screenshot of my rent account showing that December rent has not been paid, and that I’ve accumulated $150 in late charges because of this. I really hate to be someone to ask for money or help, but it’s worth a shot if there’s anyone out there that can help in any way.
Thanks in advance for reading this, and for any help you can provide!