First, I would like to thank you for taking the time to read about my plight, I very much appreciate you.
In April of 2022, I was given a notice of a rent increase of $800 taking it from $2200 to $3000. It was the start of getting behind on other bills to keep a roof over my head. I took on a second job working for Instacart on weekends to help feed my animals and myself.
In July of 2022, I was laid off from my main source of income after 26 years, giving me no choice but to move out as I did not want an eviction on my credit record. I moved on to a friend’s property in a rural area so I could care for their property and animals while they traveled. I live in my Tiny House (which was in storage) purchased in 2020 on the property, but it is up for sale as I’m behind on those payments as well. This job did not come with a salary, just a space for me and my animals. They also cover my utilities.
I have applied for jobs in the area and even online, but being a 60-year-old woman, I’m not having any luck getting hired even with my experience. I do still have my side gig working at Instacart, but it basically covers food and gas to do the job, it definitely does not pay the bills.
My phone will not stop ringing daily from creditors! I am so stressed over the situation I find myself in, the tears are daily as you can imagine. My credit score dropped from the high 7’s to 540 due to delinquencies. My car payment is 2 months behind and my insurance is about to be dropped. And like mentioned earlier, I’m afraid I will lose my Tiny House before I can sell it. I have canceled every subscription except my phone. I really need some help and a bit of relief.
I was once a proud woman who loved life and enjoyed dinners with friends. I was capable of paying my bills, traveling, and caring for my animals. I am broken now, I am scared, I am lost. Asking for help is not easy for me but I feel I need to before I lose everything. I just need to breathe.
I am very grateful for any help and relief you may be able to bring me. I am working on a new beginning but it will not come to fruition fast enough to take care of what has happened these last past few months. The delinquencies are causing me to get further behind and not allowing me the freedom to get help the traditional way of a loan. I have deferred some payments but because I am not (thankfully) dealing with Covid, I can not get help from others.
I again appreciate you taking the time to read my story, and I thank you for any help you may provide. I am attaching one of my bills…I do have many more!