Hello! My name is Amber and I appreciate you taking the time to read about my problems as I’m sure you have your own as well.
I will start off by what started the long journey of getting to where I am. Two years ago, my father had told me that the people he was renting my childhood home to, stopped paying for over a year. (Yes, he let them live in his home while paying the mortgage he owed on the house himself..a better man than I would be). Anyway, he asked if I would like to stay there with my son and just take over the mortgage so of course I jumped at the idea. When we had left the house, it was a doll house in perfect condition so I had only expected to have to paint and clean…boy, was I wrong. The entire place was trashed, absolutely disgustingly filthy, numerous windows broken, holes in walls and doors..you get the picture. Long story short, I had to put almost $15,000 into the house and of course made the stupid decision to put it all on credit cards and I’m paying for it now..literally.
Hours at work have been cut and it’s getting to the point of either pay my credit card bills or feed the family. I have weighed out all of my options, balance transfer cards and consolidation loans are a no because of debt to income ratio. I have also called my credit card companies to work with them, but they are unwilling. Bankruptcy will cost more than I could ever afford and letting them go without payment can result in years of bad credit and lawsuits. I’m feeling very defeated and at a loss. Not to mention that I am a “stresser”, I stress about everything and I’ve spent many sleepless nights trying to figure out how to get out of my situation and see no way out. Which is why I have come here, that’s how I know I’m getting desperate because I have never asked anyone for anything. (One reason why my credit card balances are outrageous)
So I have come to begging money to, well, beg. I hate to ask and I hate to be in this position but here I am. So please, if you can spare even a dime, it will help keep me, my son and my fur babies, afloat.
The link to my paypal is below, thank you from the bottom of my heart!