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Last Updated: June 14, 2024

In over my head – debt is consuming me

I am a wife and mother and am struggling financially. We moved out of state a couple of years ago and due to unforeseen employment circumstances, returned to California. While the return was good for our mental health because of friends and family, the financial impact has taken its toll on us. We went from virtually no debt to nearly $50,000 in credit card debt in less than 2 years. I have started a baking business to help offset costs, but anyone in business knows it takes time to move from the red to the green, so that is also taking its toll. I’m at my wits end, cannot qualify for lower interest loans to help pay down the debt and feel incredibly hopeless. I am not greedy, I just need a little help to get caught up so we can start with a clean slate. When we moved out of state, we left a mortgage of $1,300 and came back while housing and interest rates are at an all time high. We now have a mortgage of $3,500 – more than triple what we were paying before we left CA. It’s a basic 3×2 older house, nothing fancy, but that is the cost of living right now. The credit card debt keeps climbing because we can no longer keep up with the interest payments. I have prayed someone will be generous enough to help just pay the debt so we can start fresh. Additionally, the head gasket in my jeep blew right before Christmas last year, so I was forced to get another vehicle (my jeep was paid off) which added a monthly payment. I was modest in my purchase, but still have a $350 car payment because of high interest due to my declining credit score. I am humbled to ask for help, but do not see any other way out. I pray the Lord will send the right donor to help us get ahead. This debt consumes my thoughts every day, I wake up in a panic at night. I know this is not your burden to bare, but at the very least you will have a tax write off and will relieve the debt that is drowning my family. God bless you.

https://paypal.me/rebeccahartzell?country.x=US&locale.x=en_US

Filed Under: Uncategorized Tagged With: USA

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