Hello, my name is Mike and I am overwhelmed with debt.
I was out of work for 3 months which has left me being unable to keep up with the payments for the $8200 I owe. That number continues to grow every month due to interest rates and late fees.
I live with my fiance and we split the bills down the middle (except for the personal debt I have) but I am now falling behind on those bills as well, which also causes her to come up short. We were supposed to start saving for a wedding and to move out from our one room apartment, but I lost my job and had to use credit cards to survive.
The physical and mental toll of stress and anxiety of not working and accumulating debt has not been easy. After three months of no income, I accepted a job out of desperation and worked there for two months and I hated every second of it. It was a hostile work environment and I was ashamed of working there, which made the stress and anxiety worse. Myself and fellow coworkers were constantly harassed and bullied, but I had no choice but to stay until I could find something better.
I now have found a job I love, but the company is in a transitional phase, and for now I am only working part time. If everything goes according to plan, within the next two months I will be a full time employee and everything will become easier, but even then if I am unable to find assistance my debt will continue to increase and my credit score will suffer, which has already declined and is only making things more difficult and a stable future seem out of reach.
I am actively seeking a second job, but finding a second, full time job that can fit my current schedule is difficult, Having to work 60-70 hours per week will also prevent me from working on music and other art projects, which is difficult to push aside because music is my passion and what I would untimely like to be what my career is centered around, but because music doesn’t currently bring in money, I’ll have to step away and lose progress in achieving that goal.
Earlier in the year I was very optimistic and looked forward to planning ahead and it seemed like my fiance and I were off to a good start in our life together, but now thinking ahead is almost a punishment.
I’ve looked into different options but from the information I’ve gathered debt relief programs would only make my situation worse. I’m at the point where I am now worrying about legal troubles if I am not able to pay off my balances.
I never thought I’d be in this position, but I really don’t know what to do or how I can fix this myself, so I am now begging for an act of kindness. Please help me. Any amount you can donate will make a difference and be greatly appreciated.
Hopefully, soon, this debt and the stress it brings will no longer be a part of my life and I will be able to move forward on a better path.
Thank you for taking the time to read this. Have a great day.