Dear Potential lifesaver,
To be honest, I have no idea how to start this request? I’ve never put my hand out for anything in my life with the exception of a few parent loans over the years. I’ve recently come into a spot of bother.
I used to work away a lot and pretty much most of my life was FIFO oriented working 12/14 hour shifts for up to two weeks with a week off. I worked on mine sites and other industries as a writer. I made good money and life was good. I recently came home to find the locks had been changed in my home by my wife. She has stated that she no longer wants me around as “I never want to do anything” and “I was never there”.
I returned to writing as it offered enough financial reward to support our family (I have two beautiful daughters 4&6 years old) and to support my wife as she was studying to be a lawyer. I did the above for around 8 years where I was the sole breadwinner.
Unfortunately, during the course of our relationship I incurred various credit card debts namely for house renovations and related activities. Due to poorly reported taxes and BAS statements, I also incurred debts from the tax department. I entered into what is called a voluntary insolvency agreement and started to pay back everything I owed. I did so for more than a year until the day I came home to find I no longer had a home and my wife stated she wants a divorce.
I had nowhere to go except the mine I currently lived at whilst on-shift. I managed to pack what clothes I had into my car and sneak them into my room on-camp.
It was during that time I was informed that the current contract I was on was no longer going to be renewed (a common thing on mine sites in Australia). So panic set in.
Fortunately, I have another skill set as a commercial pilot, but only a bare licence without the multi-engine instrument rating enabling me to seek employment in the airlines. I had always wanted to complete this, but whilst working away so much I had no other choice but to continue doing what I was doing at the mines in order to support my family and pay my debts. (A bare commercial licence does not pay well in Aus). So I always forgot the idea as soon as it came into my head.
Looking for ideas on what to do next, I had heard of a local flight school who could complete my training and make me job ready whilst also providing me with accommodation. I jumped at the chance and here I am now studying for my Multi Engine Command Instrument Rating.
My wife and I have placed the house up for sale and my debts remain….and I’m up to my neck in it almost $100k. I have a large number of organisations seeking their money and will be left with no other option to go bankrupt unless I can seek some form of help. I’m a good bloke who has NEVER shy’d away from hard work and has ALWAYS put my money where my mouth is. I’m honest and trustworthy. I just don’t know what to do? Yes, I have no job at present, but that is short term until I can source my first flying gig, but my wage will never cover the amounts I owe. I just want the nightmare to stop? The phone calls to stop, the never ending explanations to companies to stop.
Due to unknown reasons, I have not been granted access to my children by my wife. I’m not a violent man, I not an abusive man nor have I been screwing around or been dishonest? My whole life has completely gone down the toilet and I have lost everything. I sincerely hope someone can help. I’m trying and will get there, but the weight of debt is such that every day is a bloody nightmare I just don’t know what else to do?
I thank you a million times for any help. It won’t help with my relationship I’m sure, but will go a long way to stop the pain and bitterness on both sides. We are in a hole.