Random Stories
Medical Debt
Struggling with Debt and Anxie, United States
My name is Matthew, I'm a 32 year old social worker and I am absolutely drowning in medical bills and medical collection debt. My debts are reaching astronomical numbers considering where I live, rural Kentucky. I've taken out several consolidation loans, I have a lean on my car, I have sold so many things, I have worked 2-3 extra jobs at a time, and took any thing that would get me some money to put on these bills and collections. I recently developed a heart condition and I've had to see cardiologists almost weekly to get that checked and I go the first bill today and just broke down in tears. I'm suffering from constant anxiety and depression bouts, nothing is enjoyable anymore because all I do is set and try to find help for the considerable debt that I am in. I am paying on the debts that I can, but in October of this year my student loans are going to go way up again and I'm doing everything I can to keep something in the bank to help pay for that when the time comes. I've worked my whole life to try and keep myself afloat and over the last 10 years, I've just watched it all fall apart because of ER visits and doctors appointments and emergency needs. I'm stressed, I'm overwhelmed, and I do not know what else to do but pray. I pray to God every night and day that something will change in my life to save me. A raise a work, a random inheritance, a kind stranger, just something that would truly save me. That brings me here, I heard about this website online and I wanted to plea my case to get help. My debts and collections combined are getting closer to 30,000$ every day and I do not know what else to do. Like I said before, I am paying on what I can as I can and when one bill is paid I move onto the next one and start that process. There is just so much backed up on top of me and I am drowning. Please, I would be grateful if anyone would consider helping me at all. Every little bit helps. Thank you for taking the time to read this.
If you want to donate you can here: paypal.me/hotbeefpackage
HELP!!! It isn’t over yet!!!
Thank you to those responding to my cyberbegging pleas. I have not answered any sooner because of the amount of paperwork for the Ch.13 Bankruptcy proceedings; and also two months of “virus bug exhaustion”. And it isn’t over as yet.
We finally chased the foreclosure wolves away by going through a Ch.13 Bankruptcy. That’s a Federal program. So now I am told I need cash money for court costs, lawyers fees, trustees fees, moderator’s fees, and more and more and more! The whole mess begins to total about $25,000.00!!! How in the world do they expect a bankrupt person to come up with that kind of money!!!
As I have explained before, I am an older disabled widow (left club foot and leg, with no cartilage knees). My husband of 21 years died unexpectedly some 3 years ago. The household income was cut 3/4ths at his death. He was a disabled Vietnam era vet of 10 Army years. We purchased this house about 2 years before he died with his VA mortgage, never thinking his PTSD would take such a sudden turn for the worse. He died of “non-combat causes” 20 days before his 100% disability would have been 10 years. Therefore I have been told I do not receive a widow’s VA pension. This matter has still not been resolved, as I am appealing their wrong information.
These last three years I have been trying to get a mortgage modification, and keep our house from foreclosure. However, due to a string of very odd, disturbing, and harshly negative circumstances, including this “no” “yes” “no” four time roller coaster of foreclosure from that mortgage bank, I seriously panicked and my Panic Attack Anxiety Disorder (PAAD) syndrome has gotten very much worse.
To top all this off, on October 13, 2013 we had a kitchen fire at the electric stove; the kitchen was toast!! No one was injured. The contractors finally finished in June, 2014. As soon as the last insurance check was cashed, the mortgage bank, which had put me on a “probable” loan modification program, started up this foreclosure medley again. And again, I heard this from a third party. Nothing formal in writing.
I have also taken in two lady friends as roommates, a mother who had her work hours cut down from 30h to 15h, and also her adult daughter, who has been having serious job problems in this economy, and who has two small girls, 10 years old, and 2 years old. They also have no other safe place to go. So we are all scraping in this present predicament.
I cannot work a job where others are dependent on me for deadlines, etc. My focus has become extremely iffy because of this depression and the pain in my legs. Also, if I had any money to pay so i could receive money from someone I wouldn’t be cyberbegging. That’s why I’m asking for a grant-in-aid. This is an unusual situation. I am praying I can keep this house going, and that I can continue work on the episodic fantasy I have begun, and which has been praised by other published authors. That’s why any amount you can see fit to give me would be greatly appreciated.
Because of all that has happened, not of my doing, I have become very leery about giving any information about myself to anyone I don’t know. That is why I have PayPal and WePay and GoBank accounts; these can receive donations without you having these accounts, all you need is my e=mail. --->*If you really need further information about me, please e=mail with a phone number where I can reach you at, and what hours are best to call; I’m CST. Also, I voicemail screen my calls, and do not have a cell.*<--- Thank you for your understanding in this matter.
What I am asking for {{??begging in desperation??!!!}} are two kinds of help.
First: I need any amount of money from any amount of people so I can pay bankruptcy fees now up to about $25,000.00 and finish clearing this mess up. Any donation would help this mountain of a mess move along. It’s a VA loan, and the VA hasn’t even given me any help or information. So I’m looking for “angels” [in the Broadway sense] who would gift me any amount of money so I could pay off these bankruptcy fees. Or, if possible, put me in touch with someone or someplace or some organization that could help.
Secondly: Prayer that I will be able to continue keeping my house, and will be able to quickly find the money to pay these court mandated fees. I really believe God has put me here for a reason, but this financial situation is a mountain that has to be moved. And I also believe the devil does not want me to be here. So I look for inspiration: Luke,11:9;---And I say unto you, Ask, and it shall be given you; seek, and ye shall find; knock, and it shall be opened unto you.
Thank you for reading this, and offering to donate at least something towards these $25,000.00 mandated Ch.13 Bankruptcy fees so I may continue to keep our house.
>^..^< -----g
Too Much Debt and not enough profit...
Help Me Keep My Small Business, Killeen, TX
I am an Army veteran who took a chance on myself and started a small business. I am an African American woman who owns a beauty supply store and currently have four employees. I still have my day job which helps to fund my small business because often it is hard to make ends meet at my store when inflation and needing supplies come faster than the profit. I am currently in a lot of debt due to needing the funds to keep products on the shelves and my employees paid. It is not easy to just close the business because I am leasing a space with still two years to go. I want to keep my commitment to myself, my employees, and my customers who are proud to see an African American woman behind the counter in a business like this. Please help with anything you can. The money will be used to fund the monthly expenses as well as keep products on the shelves. Thank you in advance and have a great day to anyone reading this.
Down and Out
My only reason for begging is that I have hit a period in my life where I'm at a lost for answers and resources. I'm a struggling educator with five children looking for as much assistance as God will allow.
Oven broken
Hello to all that's reading this :
This is my story:
I am a single mother with 3 son's I am also disabled and unable to work due to poor health, I have worked all my life from the age of 13 I only stopped when I had my accident and hurt my back, I have a slipped Disc in my lower back which is pushing onto my nerves and over the years I have also got Osteoarthritis in my spine, My life has changed so much for me because I used to be so active, I used to run for the county doing cross country and sprinting I also did ballet and cycling miles at a time. About 3 years after my back accident I was blacking out a lot so I was rushed into hospital, I found out I had a heart condition called SVT's ( Sub ventricular Tachycardia) Which means my heart beats so fast it hasn't got time to pump the blood around my body meaning I pass out a lot, the doctor wanted me to go onto beater blockers but because I'm asthmatic the tablets wouldn't work properly. I suffer a lot of side effects due to this which means I can't walk far.
Then to top it all off I was diagnosed with Fibromyalgia which is a chronic disorder characterized by widespread musculoskeletal pain, fatigue, and tenderness in localized areas I am in constant pain and have to use Oralmorphine everyday and use 30mg Butrans Patches which I change on a weekly basis I am also on a load of other medications everyday.
My son's are my carers, they have to get up early in the morning to help me then go to school when they finish school they need to go to the shops to get anything we need then come home and sort out the washing and get the tea ready ect. Only 2 days ago they came and told me the oven wasn't working properly they had been eating cold beans and sandwiches for there tea and not told me because they didn't want me to worry about it.
I'm on disability benefits which isn't great I only have enough money to buy food and pay the bills but no spare money to get anything else my boys clothes and shoes are all out grown and I can't afford anything but the oven is more Important to us we need to eat hot meals so if anybody could find it in there hearts to help me and my family out it would be very much appreciated - Thank you in advance xx
:) :)
