If you are reading this then you should probably have the whole story, its long, it’s interesting, but I feel it is also important. I am going to quickly run over the issues in the beginning only because it is recent events that require me to ask for help.
My soon to be wife and I purchased a house a few months before we got married. I owned a Residential Construction company and was doing fairly well for myself, so we bought it as a fixer upper and loved the property. We moved in when we came back from our Honeymoon and had a house warming party a few months later. This is when the problems began. The next morning we woke up and found out we had been robbed. They didn’t break into the house, but cars were broken into and my storage building where I lost a lot of tools. This continued for a while, things disappearing, so I bought a security camera system and we caught the person. Did no good other then they ended up in jail for a while.
After a year or so of no problems, they started again. I had grown my business a little more, purchased a trailer for my tools and was building a few houses. One of the houses I was building was for a friend, and I left my trailer on the property for weeks, then one morning we got there and found it was empty, over $10,000 worth of tools gone. This was also the start of the housing market crash. I was busy building this house and starting another huge house. Long story short, I was shorted $38,000 on one house and $27,000 on the other, and it didn’t end there. Customers were not able to finish projects, unable to pay their invoices, and by 2010 I was owed over $120,000 and had invoices to pay from materials I had purchased.
One project I was working on was a small bathroom remodel. The family was having some issues with health and kids and it was Christmas time, so I deferred their payments till after Christmas to help them out. Little did I know they didn’t plan on paying me at all. I ended up suing them, going to court and losing. How do you lose a suit against someone you did a full bathroom remodel for and they never paid a dime towards it, I walked off the job without completing it until I was paid, and lost in the courts. Justice isn’t always just. At this point I was in the hole for almost $50,000 in attorney fees and I owed the customer $35,000 on a job that was invoiced at $6,500. This finally ended in December of 2010; you will see the significance of that below.
During this time I took a friend in who was down on his luck, so he stayed in a spare bedroom. He, unlike my wife and I didn’t like a cool house so he used a space heater in the bedroom. One day my wife was home with our animals and the space heater caught on fire. She was able to get the animals and herself out safely, but we had a lot of smoke, fire, and water damage. This happened December 10th, 2010, a week later we found out we were pregnant with our first child.
Being a contractor the bank agreed to let me do the repair work to the house. So I got started immediately. Gutted the house, purchased new materials and was going hard at it to get it back together in the 6 months the insurance company was giving us in an apartment. During the time I was working on the house I filed 29 police reports for theft of property which amounted to a total of over $20,000 of loses. Not to mention that I ended up in the hospital for 5 day with a torn esophagus. This was the first of August, when we had to move out of the apartment and my wife was days away from giving birth. She had to move us out on her own, well my parents helped, but for a woman 9 months pregnant, it wasn’t easy. This put us another $10,000 in the hole, and that is after insurance.
Long story short the bank never wanted to pay me for the work and I ended up not being able to pay my mortgage and had to sue the bank. We lost the house, moved into my parent’s house, and had our amazing little girl. At this point we didn’t know what to do. So I got a job since the housing market was not doing very well. And after a year we were able to move into my wife’s grandparent’s old house, another house that was and still is in need of repair, which I can’t afford to do.
Since we lost the house I have been trying to get my feet back under me, but I can’t seem to do so. I have worked for a few companies; tried starting my own business back up but there just isn’t the money to get that going yet, so that brings us to my reason for being here today. I have been able to keep up with things until recently. I was between jobs and trying to get money together to pay my property taxes and couldn’t do it and my house was sold in a tax sale about 2 weeks before I was able to pay the taxes. I have until November 6th to pay the full amount back to keep the house. To make it worse, my truck, with almost 400,000 miles on it, the transmission just went out. I am in the process of trying to get a business started back and my builder’s license back so I can be self sufficient and support my family like they deserve again, but I am going to need help. So below is a list of my needs to get my life back in order, and they are prioritized. I don’t really expect anything, but I am very hopeful and will be grateful for anything that I receive.
In summary, I have a 7 year old daughter a 19 month old son and a wife in a house that is falling apart that we are about to lose, and a lot of debt to get paid off and a business to start. I have always been one to help those in need and never ask for anything in return, but now I am asking for the help. If you can find it in your heart to help, we will greatly appreciate it. Thank you for reading this and if you want any more information please don’t hesitate to ask.
Money I need in order of priority, 1 is highest priority:
- $4,721 to pay off my house taxes from the sale to get the house back.
- $1,386 is the taxes for this year that still needs to be paid
- $2,150 in outstanding hospital bills
- $38,560 that I owe in debt from the loss of the house and lawsuit.
- $2,800 to fix my truck and get it back on the road or
- $30,000 give or take to buy another full size truck for my business or
- $50,000 to get a work truck and get my license and business started back up.
Total to get my life back on track: $96,817
I will update this as generosity allows.