My name is Nicholas. I am now and have always been a very hard working independent individual. For example; I am using my lunch break to write this message and I am fighting the urge to cry harder than I can ever remember doing so in my life. I am 28 years old living in North Central Kansas. I was raised by two loving hardworking parents who both served in the United States Army. My life started spiraling downward about 3.5 years ago. I could spend a considerable amount of time playing the blame game but ultimately in the end I am where I am based on final decisions on my own. My credit card debt started accumulating quickly and even with my knowledge of how horribly wrong credit cards can go. I lost control of it after moving to a larger city to be closer to work. I reached a breaking point and finally decided to tackle the issue. I entered myself into a debt management program for my 3 large balance CC’s. Not 3 months after entering the program I was admitted into the ICU suffering from a condition known as DKA or Diabetic Keto Acidosis. I spent 4 days in the ICU learning that I had been living with type 1 diabetes for going on 5 months. Even the Endocrinologist was impressed that I did not fall into a coma in half that time. I knew something was off but as I stated before I have always been hardworking and Independent and I didn’t want to take any time away from work as I was very committed to sticking to my debt management program checkpoints. Then, 29 days after I was diagnosed with Type 1 Diabetes (T1D) the company I had worked for over the last 7 years fired me for whAt seemed to be unknown reasons ( I live in a right to work state) I then lost my health insurance 6 days later. T1D is a very expensive autoimmune disease even with health insurance. I had applied to 47 companies in the span of two weeks after my termination. My savings was completely depleted after the first month of unemployment. At the time I was supporting a partner while she was studying to become a Dental Hygienist. My savings was a buffer to cover 1.5 months of bills for just myself. Back to the credit cards. My only option to cover just my monthly medical expenses of $1,650 uninsured. I did not receive full health coverage for over 6.5 months. I defaulted on my debt management program with the inability to pay the monthly payment. I am working full time currently due have health coverage now thank the lord. But between the credit cards and personal loans I had to take out in order just simply survive minimally I am just drowning. I was able to get back into the debt management program after describing my situation with the medical issues and loss of employment. The cherry on top of all of this is that just 2 weeks ago, the transmission in my truck blew up. That was my only regular means of transportation to and from work. My current debt amount is sitting at $27,163.54 and the cost to replace my transmission is $9,200. Bringing the grand total to $36,363.74 I am in no way expecting to receive anything in regards to this message but would be more than eternally great full to receive any help. I was raised by good southern parents who taught me to always give the shirt off my back to anyone in need and I have stayed true to my roots all through life. My pay pal link is:
Again, anything will be more than a blessing. And if you took the time to read this do decide to donate to me. I would love to be able to give you a proper thank you via gift basket/personal thank you letter!