My name is Rachel and like most have just seemed to have gotten over my head in debt. I am 44 years old, divorced with no children. I have always wanted to be a mom, but for whatever reason my body doesn’t work in that area. I would love to be a foster mom or adopt, but with this debt I have to live in a small apartment, and have no way of making my dream of being a mom come true. I did bankruptcy a couple years ago, and now I am back in the same boat I was in that got me in trouble before. I know I don’t even deserve to ask for help, it is my own doing that got me here, and even though I hate asking others to help me, I have to do something. I am grasping for that life saver. I already deal with depression from being overweight, in debt, and not being able to be a mom. Even with bankruptcy I could not forgive my school loan which is a huge debt that I feel will never go away, and even applying for a lower payment every year, the payment is still about the same as having two car payments. I also did not include my car, as I needed it to get to work, and soon after bankruptcy my car decided to go kaput on me and needed a new transmission. Believe me I wish I had included it then, sitting in the service center crying wondering what am I going to do now was a low moment in my life. I was able to trade my car in but with the bankruptcy my new car payment sky rocketed to $381.12, which I try to pay a portion each check so it is not so much from one check but it is still a lot for me. I feel like why can nothing go right in my life. My tiny apartment is 600 square feet that is infested with bugs, have neighbors who play loud music and smoke pot and that smell just permeates my apartment but I have no money to move. I would accept any help that is offered and believe me it would be appreciated more than you will ever know. If, no when, I get out of this hole, I will pay it forward to someone else who needs help. I want to be able to do that someday. Thank you for taking the time to hear my plea, and thank you for your help! Thank you so much!
Here are a few of my bills: