Hello. I hope you are doing well.
I’ve been living on my own for about a year now, but I was unemployed for some time before I moved away from a toxic boyfriend. Not being able to properly save the money up set me back quite a bit, as well as getting COVID and having to take multiple days off work, and just recently, my cat needing surgery (thankfully I was able to set up a payment plan for $40 a paycheck). I’ve struggled to make rent payments and generally pay to survive, but I’ve made due mostly with the help of loans. Unfortunately I’ve also struggled to pay those loans back.
Now one of those companies is suing me. My lawyer is advising that I file chapter 7 bankruptcy, but it’s going to cost me $3,500. If I put the money aside to save up, it’ll take me almost a year. However if I don’t file it asap, my wages could be garnished or my bank account frozen entirely. Lawyers are apprehensive about filing bankruptcy before they have their money, due to the fact those fees can be discharged, but filing chapter 7 was deemed the best option due to the amount of debt that I have, as I also have some credit card and medical bills still due.
As someone who is struggling to make ends meet but is surviving currently, having my account frozen or my wages garnished would make it impossible for me to live on my own. My family is hard to live with, and moving back in with them would be detrimental to my mental health. I would also lose my job, because I’d have to move too far, making it even harder to save up for bankruptcy as I’d face a period of unemployment.
I don’t have a washer and dryer in my home, so I’ve gone long periods of time either hand washing or not washing my clothes at all to save money, as well as showering less. I’ve let my bills go longer without paying them for some leeway. I just got paid and due to everything coming out of my account, I have $100 to last me two weeks. And when I get paid next, almost my entire check will go towards rent.
If you could spare some money towards a woman who has only tried to be able to pay her bills, I’d be forever grateful.
PayPal: https://www.paypal.me/Sopherra