I don’t know how to start. Instead of being better, it’s just worse every day. I just turned 31 two days ago.. and I have nothing in my life besides more problems.
I’m Polish. I moved to the USA when I was 23. I finished school in Poland and I moved to Chicago to keep learning and live the “American dream”. I went to ESL school and of course, I had to make some money to live even if I came to my brother’s house… I found a job in a polish restaurant as a dishwasher.. and I earned my “server” position step by step, day by day doing the work that nobody cared about.. but I made it! I started to make better money and I met a guy there (also Polish) so I thought my life was going to be stable and just happy – I thought I found peace and all will be better and right and I will have my own family.
Unfortunately, it was only my blind love and stupid dream to have a happy life. We were 3 years together when he proposed… we got married and after a few months I found out he has double life.. with our mutual friend – she also was working with us.
So I found out I was cheated the whole time… by the love of my life and friends.. all friends around me – they knew about them. Just not me. I couldn’t forgive myself and them. I got depressed. I had to move out and be on my own. I had savings but it wasn’t too much – I just started life here.. no credit history, no opportunity to get some help. I was harassed to leave the car that my “fiance” “bought” for me because he was about to call the police that I stole it.. even if I was making payments.. it was just in his name. He basically threw me out of our apartment. I was beaten and kicked out in the middle of the night without the phone, keys, and shoes. I didn’t have a chance to even go back to the house so I had to sleep on the patio chair. IT WAS A NIGHTMARE. I used all y savings to get the apartment and a car. I had to buy all the essentials with my credit cards and I wasn’t making enough. I just had to use whatever I could. I was just left to fail. After I spent all the money to get on my feet… I had a car accident. Drunk driver without insurance… HIT AND RUN. How much bad luck a person can have in situations like that? The car that I put the rest of my savings in… was totaled. I just used my credit card to buy new tires.. and 3 days before my bday the accident happened (2019). I was fighting 3 years… to get something back. I just got a settlement.. of course, how much did I get? THE SMALLEST AMOUNT.. my lawyer took more, even if I had to call them/email them and nobody answered. I had to pay for an apartment a lot of money and I had to take a new car.. with no credit history… it cost me a ton for a month. I was short every time to pay my bills. I still am. I had to borrow money from some people and now I can’t even afford to pay them back. I am really happy that I am healthy and I can work and I know I could be okay in a few years… but I have no luck at all! I was trying to pay my credit cards I made payments, then they were returned… which caused a lot of trouble.. closed accounts, overdrafts, fees… I don’t know how can I catch up with all of it. I have a better job now, but with all the past due payments is hard to keep a positive balance and positive thoughts.. I really want to be able to sleep at night without thinking about where should I borrow the money.. I tried everywhere, but nobody is accepting me. my credit is even less because of that. I also tried to gamble to win something and be able to pay all that I have to… and that was the worst – I even lost more. I don’t know what to do. I work 2 jobs and I just want to be able to pay for everything and be finally less stressed. I need around 25k to be out of any debt… even the loans from my friends.. it’s not too much, but I am on my own and every day something new is coming up. I can’t live like that anymore. I wish I could have some extra $5-6Ks in my pocket so I could make the late payments and give back money to the people who borrowed me cash… What should I do? Where can I get help? My story is much longer and much more complicated but I don’t have the opportunity to say it all…
All I need is some support to get back on my feet, and have one payment, not all of them everywhere… the fees are growing and I can’t catch up to be on zero… my account is overdrawn for 1800.00 now.. PLEASE ADVISE/HELP/SUPPORT… because I don’t know if there is anything else left for me.. I want to be happy…
Anyways.. everything that happened to me.. made me feel sick and tired of my life. I have no idea where to find help… and I’m sure the Citi bank will send collector for this closed account very soon.
PLEASE! HELP! I don’t want to fail and be bankrupt at 31.. please!