Hello! I found this page and thought, why not! So let’s start out with what this is about. Help me pay for the past created for me by my own mother, so I can finally have a future of my own! Yes you read that right. We can’t get anywhere without credit, and I can’t pay for my past alone. Let me explain below.
I’m a 37 year old woman with type 1 diabetes, I didn’t get properly diagnosed until 31, but have likely been sick with it since i was 21. The medical debt is beyond belief. 10 years of misdiagnosis, loss of jobs, having to quit school, unnecessary surgeries and procedures that I am still paying for. But there is a kicker…. Most of my debt is actually from my own mother stealing my identity and racking up a home loan I never even had access to owning. We lived there for 1 year and my mom added me to the current mortgage of $70,000. I thought what a steal, she at first charged us $500 rent. Then over time she increased that loan to $140,000 and jacked our rent in 2008 to over $1500 a month and went on spending sprees. Then when I was in too much debt, she removed her name from the loan so it was just in my name. Then sold the house since her name was on the deed, tons of super shady illegal things that happened. I know it sounds crazy but the woman came out Scott free and I was left with all the debt that i have been paying since i was 18 years old then add staggering medical debt.
I should have turned her into authorities but my brother was injured and is now a C4 quadriplegic and he is begging me not too because she is his only caregiver. So I have paid it for my brother. I have zero contact with her and have to check my credit constantly because she still tries to take advantage of me.
I have 3 amazing kids and husband of 20 years;) I’m a full time self employed Photographer and do amazing work and work 2 extra jobs, yes 3 jobs myself. I’m a literal glorified hustler, but I cannot pay this debt. My husband has 3 also Right now. We literally work all day everyday to pay our rent and bills, but we have poor credit from getting married to young and I have a TON of medical debt I simply can’t pay even with 3 jobs each, the best part of this is that my own mother outswindled me on a home loan at 18 to get credit, to be an adult. Convinced me that it was the only way. Convinced me that she needed money when she stole my identity and racked up more debt on my credit that never got paid. Since I’m an idiot, i didn’t tell anyone because i trusted her. I trusted my own mother and it cost me my financial future. We pay $2000 a month on a home we don’t own.
we desperately want to purchase a home but in this economy you need that 20% down and a credit score over 650 I’ve done nothing but hustle my way through life trying to make as much money as I can. There is just no way for me to ever get out of this loop unless I can pay off my medical debt, clean up my credit and purchase a home. I made mistakes when I was younger because no one taught me how to manage finances and my own mother ruined my credit before I even had a chance to do anything like normal people have. I can do that now, I am educated and work my ass off to get out of debt. I’ve paid off over $200,000 in debt over the past 10 years on top of trying to stay afloat. but I can’t repair my past with out more money. It always comes down to money. I want to give my children a good stable life and we have yet to do that because we are stuck in this endless loop of, I could do that if I could get a loan- but then never qualify! It’s so messed up that we have access to all these amazing homes, surgeries, life and if you have bad credit, you will never qualify for anything. I’ve paid thousands to have people help me clean it up to no avail or get scammed out of yet again more money. I trust no one when it comes to my credit.
I have a student loan that went to collections in my twenties, they literally take every penny I get back on taxes every year and still owe $10,000 on a degree that has been completely useless to both of us. I’ve had to have multiple surgeries and it’s amounted to a staggering amount of medical debt that I have been unable to pay and all the money that should have went to it, went to paying my own mothers bull crap. Yes I should have turned her in. But I was young and trusted my own mother to help. I got out hustled by a better Hustler and I just can’t leave my brother to defend himself in a full time nursing home when he is 34 years old and can only move his head.
if I could just pay off this past debt, we can manage our future debt- in fact it would open the door to our businesses growing, having our own home and working a job or two like any normal person does, maybe finally take a family vacation like I have always wanted. I dream of taking my kids to Disney land. We used to go all the time as a kid- and I have yet to take my own kids and my oldest is now 16.
please help save our family and put us on the road to a financially secure future like we should have had in our early 20s. My own mother set me up to fail and stole my future. Please help me start fresh. I am making a lot now and it’s still projecting to get out of debt fully in my late 70s which is no way to dream about life. I am trying to remain positive but my health is affected by this stress and I just want to finally live the life that I created and no one else messed up. I can finally get a home that supports my photography business- having my own home means I can invest in a future that allows my kids to have access to a family own career that could help them be financially secure themselves with good credit.
Unfortunately we live in a world where money is what helps your future, gives you access to bigger and better things. I just want to finally have freedom to have all this work actually show for something and have a literal score for credit, to not be denied by everything in life. Please help change my children a future and finally be able to start living like everyone else gets when they turn 18.
of you have read all that and don’t think I’m insane, please consider donating. It would not only change my life, it would change my children and future generations also.