Hello, i don’t even know where to start. I have never asked anyone in my life for help before especially when it comes to money. I am usually to the people come to when they need help. Unfortunately that has changed last year. I moved to a new city with hopes of a better life with my boyfriend. Leaving my daughter with my dad and stepmother so she can finish school and attend university in the fall.
Everything has changed since then. My new job has proven not to be what they told me. When I started the pay was ok, they said to give it time and it will get better. You will make anywhere between 50,000 to 90,000 a year. It hasn’t in fact it’s gotten a lot worse last week my check for two weeks was 849.00. I am not making enough to pay rent or our bills and of course buying food. I am working around work with broken shoes with holes in them praying a customer doesn’t see because I can’t afford new ones.
I had amazing credit , I was never late on anything. when I moved that was the next thing that changed. now my credit score has dropped really low. I have maxed out all my credit cards which total about 26,000 and even had to take a small loan just to get through last month of 5000.
I am feeling completely defeated.
I wish it was just as simple as going bankrupt but you see that’s where my next problem comes in.
In December of 2025 my grandma passed away. That was hard all on its own. The house my father lives in was in her name and he still owes money on it. My father is only getting old age right now due to a stroke he had in 2020. So I have been helping him financially as well since may of last year when my stepmother left him out of the blue after 25 years. He now has no one that can help him either.
he is looking for employment that he will be able to maintain at his age with his health issues but has had been unsuccessful so far.
He has been talking to a lawyer to see what needs to be done to put the house in his name and that where I am needed. And where I need help from anyone who can help me financially. If I can get my credit card and loans down that would bring my credit score back up to where I can co-sign and my dad won’t lose his house.
The other issue is that the lawyer said I have to be at my job for one year to co-sign for the house which is coming up soon. I have been looking for a second job but no luck yet.
once my fathers house is in his name with me as a co-signer my plan is to moved back to where I am from and live with him and my daughter.
I know some people are going to ask what happened to my boyfriend and why isn’t he helping. Truth is once we signed the lease and moved in things changed. It went from us splitting on everything to him only giving me 500.00 towards rent which is 1950.00 a month. All other bills are in my name so he never paid a dime for them either. Which is how I racked up my credit cards. I was completely being used by him.
I am sorry for rambling and I hope I didn’t waste your time reading all of this. I really would appreciate any help anyone can give. I am not asking to have all my debt paid just any help anyone can give would be truly incredible.
https://PayPal.me/ElizabethReid234