I’ve never done anything like this before, but I don’t know where else to turn.
I am facing a financial crisis that has me left with 2 options at this time. Declare bankruptcy, or somehow obtain the funds I need to clear my debt.
I am 28 years old, with an amazing girlfriend and step son. My issues began when I went through a period of unemployment causing me to foolishly use credit cards to pay for food, get gas, etc. I will also be completely upfront and admit that invested a ton of time, money, and effort into a trade that I thought would pay off at some point, but failed to do so. Coupled with having to undergo surgery that brought my total debt to just shy of $12,000.
With all of my payments, I am left with virtually nothing. This has led me to be unable to fully move out of my parents house, my girlfriend and her son luckily do have a place to live for now, but it is only temporary. We have to get a house of our own, but due to my credit being ruined, and not having any money left over to be able to pay the most basic of utilities it is impossible for me to get a house for my family.
I want nothing more than to be able to take care of them, but with this debt hanging over me, and not making enough to be able to pay extra to try and get the totals down, I’m stuck in limbo. My options are to either declare bankruptcy to get rid of the debt, but then I will have to wait 2 years minimum to be able to purchase a house, or find some way to get the sum of $12,000 and clear my debt and rebuild my credit.
It absolutely kills me that I can’t provide for my family.
I am trying to get a better job, but I’ve been trying for over a year unsuccessfully. I just want to be a provider for my family, and I don’t know what to do. I’ve tried to get debt consolidation loans, but have been denied for every single one.
I don’t know if anyone will actually read this, but if you do, thank you so much for taking the time to hear my plight. I just want to take care of my family and provide a good life for my girlfriend and her son.