Good day everyone,
I put it down as scammers, but it has been a lot more than that to me. I am looking for financial help after being attacked in January of 2021, hospitalized for 3 months and then having my bank account and credit cards hacked from the people that jumped me while I was in the hospital when I couldn’t freeze the accounts.
I suffered a traumatic brain injury and a few broken bones, but the worst part came when I left the hospital. I quickly got overwhelmed by the massive debt that the banks and credit card companies were unwilling to help with because of how long it took me to report and the inability to continue school.
I have been trying my best to keep payments on time, but a couple fell through the cracks and the interest rates on some of this debt is making it impossible to make a dent. I have no family support or help and the way the economy is, rent comes first so it just seems like a losing battle.
I’ve attempted to get a consolidation loan to help with the interest but have been denied because of the amount of credit usage and now the missed payments. I’ve reached out to financial advisors and the recommendations I have received is “pay more than the minimum” which with this economy is unrealistic if I want to have a home, car for work and feed myself.
I hate asking for help and I hate “complaining” or making excuses about the situation I am in. I’ve been through a divorce, was medically separated from the military and continuously find myself in the best worst-case scenarios possible. Yes, I am not dead after being attacked but having crippling debt that never seems to get lower is taking a toll on my mental health.
Over the last year and some change, I have worked on finding a solution or plan to pay down the debt to help me out, but the interest keeps beating me. Originally, these cards were only around for extreme emergencies, and I never planned on using them for anything more, but the thieves had a different idea about that.
Getting help with this debt would ultimately change my life. It would help rebuild my credit so I can stop renting apartments and get a home. It would help me mentally and get through life with a breath of fresh hair. This debt is always suffocating me and it’s always on my mind because I know the damage it is doing to my life and how much it is holding me back. I appreciate everyone that took the time to read this whether you help or not. I just appreciate it.
My goal is $30,000 to get Citi, Discover and Navy Federal off my back. Thank you again if you do decide to help.