My family consists of my disabled wife and 2 dogs. I work full-time, but my wife is on SSDI. We haven’t had any type of vacation since 2005 and that was just an overnight stay in Pigeon Forge, TN.
My wages are soon to be garnished due to a $2500 medical debt. I have 6 high interest (25-29%) credit cards that are all at their limit totaling approximately $7 thousand. I also owe $11 thousand on my car and $4300 for our heat pump.
My wife lost $140 on her monthly income due to my income of only 21000 per year. I really do not want to file bankruptcy but it seems like the only option. Well, it’s not an option unless I can pay $1500 upfront. If I had that extra per month I wouldn’t have credit card debt!
The state of our single wide mobile home is declining. It is in need of a lot of repairs far exceeding its worth. I feel tired and overwhelmed all the time. I want to be able to enjoy life and not feel trapped. I believe if I can get my debt to go away that I will have more available money.
I stumbled upon begging money while researching bankruptcy. I am skeptical, but I’m at the end of my rope and am hoping for a lifeline.
Thank you for taking time to read my story!