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OMG
Posted by Bebe8811 on 2012-04-29 09:58:59
Pay Off the Debt, Buy a White Chocolate Ski-Slope or Something
Posted by GiantMidget on 2012-03-16 17:58:01
Like most twenty-something's in this day and age, I have credit card debt. Oh yes. You wouldn't have guessed it. And like most twenty-something year olds, I'm working full-time slogging my guts out for the little pay that makes being a bin man look worth it. They get paid more. Trust me, I've tried. They have an entrance exam for the local council. As daft as that sounds, I'm not joking.
I got done over by my ex who decided a "system" for roulette was a sure-fire way to make money had more alcohol in his veins than blood. Ditching the sucker was the best half hour conversation I've ever had with anyone in my life.
I moved back in with the parents, wished I'd never left, seriously regretted the tattoos and trying to get on with life but with this debt hanging around my neck like a noose, its exceedingly difficult to do anything else other than worry about the swinging axe over my head.
In the long run, I want to finish my part-time university course and move out of the house - hopefully near a white chocolate ski-slope but I'm not hopeful.
If any of you kind souls wish to help, I'm looking to pay off a chunk of the debt of £10,000. I'm trying every which was possible to save money and at the moment, 80% of my wage each month goes toward getting rid of this weight on my shoulders. 20% goes on Asda Price food stuffs like baked beans, cheap bread made of brick dust and cheese (or at least it resembles cheese).
Please help, it would seriously mean the world to me.
My Story
Posted by Eliabe on 2012-03-11 23:58:20
(Note: You may see this same post on beggingmoney.com)
My name is Eliabe. I am an 18-year-old guy from Brazil and I need your donation because I need to move away but I can't afford it.
Let me tell you why.
I grew up being abused by my dad -- emotionally and sexually. I did not realize what was happening until recently. I still have to deal with the consequences. I became social phobic, anxious and depressed. I am still afraid, disgusted of and uncomfortable with touch and closeness, yet I am dying for it. An African therapist agreed to help me for free, so I am getting better but only very recently am I making progress.
Three, almost four, years ago (2008), my family rejected me over religious issues. I wanted to join this Sabbatarian Christian religious association (this particular sect is a minority in Brazil and honestly everywhere else but they're more present in the US and England) and my family rejected me and reproached me so severely that it radically changed my personality. They wanted to throw me away. I was only 15. I had nowhere to go. I was deeply shocked and shaken on the inside. I never knew I could feel so hurt! I had never expected such sudden rejection from them. My mom said I was a disappointment to her and that I would not stay under the same ceiling as hers if I wanted to keep my faith. My siblings made fun of me and my new beliefs. My father demonized me and said he'd take me to their religious authorities to âstraighten me out.â They accused me of bringing a curse into our lives and treated me as a shame to the family ("What will others think?" they wondered). My relatives (uncles, aunts, cousins -- I have a big family) were all against me too. I did not tell my friends because they belonged to the same religion as my parents. I started isolating from everybody. I became very deeply depressed. I would sleep just not to have to be awake and suffering.
It was really overwhelming to me. I had nowhere to go, no one to turn to. The congregation was out of town. So I decided to give up on joining that group. However, I did not stop believing in them but I had to pretend to be in my parents' religion on the outside.
But then my life became a nightmare. I had bad dreams at night. I became paranoid. Every time I was outside, I would walk around the house many times before taking the courage to go in. My heart would pound every time the phone or doorbell rang or someone called my name or asked about my religion. I would feel sick and go pale every time someone initiated a conversation about religion with me. I was traumatized. I am only getting better now. I fainted many times as I got weak because my mom refused to cook clean kosher dishes for me. I canât even begin to describe all the sacrifices and pains I had to go through not to lose my identity. I canât, for example, go out on a date or have a serious friendship because I am hiding the most important part of myself. Try to have a relationship where you do things you canât explain the other party. Do you think it can ever work? My friendships are all shallow because of that.
I am a recent high school graduate. I took a basic course on administrative services and telemarketing last year, paid by the government as part of a program in Brazil called âJovem Aprendizâ (âYoung Apprenticeâ in English). As part of that course, I am working part-time, supposedly to acquire experience in the field, though I actually work as a warehousing assistant in the company (completely unrelated to administrative services). As I only work part-time (4 hours a day), I only receive HALF the minimum wage, which means I earn about $2 per hour. Yes, I could save that money to achieve my goals. It would take over two years but it would be possible. But I can't at the moment because I have to support my parents and siblings. My brother also works and my dad has recently found a job after three years of unemployment but I still have to give them a significant part of my salary or else we will starve. Also, even if I could, Iâd still be desperate because I have been suffering for almost FOUR YEARS!
So I want to move away because I want to be free to convert and live my life, have friends, a girlfriend and a normal life. I got a passport and contacts in the United States. They can help me once I am there but they canât buy my plane tickets as they cost over $800! There are also additional costs as I need a visa. I am currently looking for a job there. There have been people who want to hire me but they stopped contacting me after learning of the costs they would have to pay.
So please help me. It is the ONLY way for me to be happy again! It doesnât matter how much you donate. It will make a HUGE difference.
Thank you very much. God bless you!
Click below to donate:
https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=VQLJXYWTYVRW6
Escape
Posted by mbailey5 on 2012-03-11 17:58:03
For the past two years I have been in love. A whirlwind romance which gave me a release from my miserable abusive upbringing. I moved in with this beautiful, kind, intelligent girl who I had fallen for. My parents did not approve and they saw her loosen their iron grip on me, she gave me the confidence that I never had to stand up to them.
I had to decide between my parents who had habitually beaten me, put me down, turned me into a shell of a person. or the only person that ever has and probably ever will love me. I chose her, and I haven't seen or heard from my parents since, part of my believes it was a perfect excuse for them to rid me of the son who had only ever disappointed them.
I was in dreamland, I was invited into her home and from day one it felt more like home than the cold loveless one I was brought up in. Everything was great for a few months and then she left a highly flirtatious conversation up on facebook with a man in which she was bragging at how many other men she had slept with in the past year. My life turned on its head. I gave her another chance after weeks of pain, tears and excuses. She convinced me everything was going to change. Three months on to that day I hear through a friend that she with another man in a nightclub the other day.
I am lost, I am trapped. I have no money. My parents do not care about me and the one person that I have ever loved has betrayed me multiple times.
I feel humiliated, i feel physically sick, I am mentally and physically exhausted. I have nowhere to go, i need to escape. If I leave her then I am homeless if I stay with her then I am bound to being abused again, this time not physically as with my parents but mentally. My heart cannot take this torment anymore.
My mouse is hovering above booking a flight to Amsterdam tomorrow. I have chosen there because of the large UK community. I want a new environemnt, i need to meet people for the first time in my life. I want to live and work somewhere else but I just do not have the funds to do it. I have been reliant on people all my life and I just need a chance to completely start fresh and I cannot do this round here or in this country. I need to travel, i need to experience things which I have never experienced. I do not deserve any charity but I am desperate, so very desperate. I am literally begging for any help.
Thank you so much for reading
woman needs ur help to finish school & get two jobs
Posted by aprettywoman1 on 2012-02-09 10:58:13
woman needs ur help to finish school & get two jobs
Posted by aprettywoman1 on 2012-02-09 10:58:12
WATCH OUT FOR WALTER MICHEAL SCAMMER.
Posted by Brunsie64 on 2012-02-04 22:58:37
Family in need.
Posted by ChrisB on 2011-12-14 00:58:22
last resorts. I am a stay at home father of 4 children. A two year old, 3
year old, 5 year old and 12 year old. My wife works and I have to stay home
because someone needs to watch the kids. (if I worked I would make less then
the amount I would pay out in daycare) I would ask our family but they are
taped out and have already been giving us money for years now.
We make to much money for food stamps so if it was not for the Food Pantry
we would be starving right now. We barley make our bills (rent, phone,
electric, heat, etc.)
I have No idea what we are going to do for Christmas. We dont even have a
tree. And presents for the kids are out of the question.
Winter is starting and our vehicle has a problem with the 4 wheel drive. It
was working all summer but now that we need it for snow and ice the 4 wheel
drive is out.
Its hard to make due with only one vehicle when the kids have to go to
doctors appointments and such. My wife works 1 hour commute away and I have
to drive her with the kids back and forth if there is an appointment. This
spends the whole day and lots of gas just for one appointment.
We have a second vehicle with good 4 wheel drive but the front end needs
work at least $1000.00 in work. Because of this I am house bound with all
the kids most days. Life is starting to drive me crazy without wheels to at
least take the kids some place and have some adult conversation.
I find myself going stir crazy being house bound. Even to go to the food
pantry my wife had to take time off work so we had wheels and then make up
the time later in the week.
We used to live in 600 square feet. Small but cheap to heat. Luckily we are
in a village with a large house now. My mother just put the down payment on
the house and we pay the mortgage. She is now taped out.
The added expense of more room to heat is adding up. Luckily the government
and family has helped with some of the added expense for fuel oil ($3.95 per
gal) and wood ($60 per face cord). But I don't know what we are going to
do to make it through winter with all this snow falling right now.
I feel better just talking about it. Just knowing someone is listing makes
me feel at ease. Thank you for your time and your donations.
Family of 6 in Need of Food and Car Repairs
Posted by Feel on 2011-12-12 21:58:06
We make to much money for food stamps so if it wasnât for the Food Pantry we would be starving right now. We barley make our bills (rent, phone, electric, heat, etc.)
I have No idea what we are going to do for Christmas. We donât even have a tree. And presents for the kids are out of the question.
Winter is starting and our vehicle has a problem with the 4 wheel drive. It was working all summer but now that we need it for snow and ice the 4 wheel drive is out.
Its hard to make due with only one vehicle when the kids have to go to doctors appointments and such. My wife works 1 hour commute away and I have to drive her with the kids back and forth if there is an appointment. This spends the whole day and lots of gas just for one appointment.
We have a second vehicle with good 4 wheel drive but the front end needs work at least $1000.00 in work. Because of this I am house bound with all the kids most days. Life is starting to drive me crazy without wheels to at least take the kids some place and have some adult conversation.
I find myself going stir crazy being house bound. Even to go to the food pantry my wife had to take time off work so we had wheels and then make up the time later in the week.
I feel better just talking about it. Just knowing someone is listing makes me feel at ease. Thank you for your time.
Family of 6 in Need of Car Repairs
Posted by Feel on 2011-12-12 21:58:05
Its hard to make due with only one vehicle when the four kids have to go to doctors appointments and such. My wife works 1 hour commute away and I have to drive her with the kids back and forth if there is an appointment. This spends the whole day and lots of gas just for one appointment.
We have a second vehicle with good 4 wheel drive but the front end needs work at least $1000.00 in work. It was my wifeâs commute vehicle until we got screwed by a tow truck company. Only the rich can afford lawyers to get our money back.
So we are looking at two older vehicles that need work. One out of commission the other getting us by, but for how long.
Because of this I am house bound with all four kids most days. Life is starting to drive me crazy without wheels to at least take the kids some place and have some adult conversation.
I find myself going stir crazy being house bound. Even to go to the food pantry my wife had to take time off work so we had wheels and then make up the time later in the week.
I feel better just talking about it. Just knowing someone is listing makes me feel at ease. Thank you for your time.
Family of 6 in Need of Food and Car Repairs
Posted by Feel on 2011-12-12 21:58:04
We make to much money for food stamps so if it was not for the Food Pantry we would be starving right now. We barley make our bills (rent, phone, electric, heat, etc.)
I have No idea what we are going to do for Christmas. We don't even have a tree. And presents for the kids are out of the question.
Winter is starting and our vehicle has a problem with the 4 wheel drive. It was working all summer but now that we need it for snow and ice the 4 wheel drive is out.
Its hard to make due with only one vehicle when the kids have to go to doctors appointments and such. My wife works 1 hour commute away and I have to drive her with the kids back and forth if there is an appointment. This spends the whole day and lots of gas just for one appointment.
We have a second vehicle with good 4 wheel drive but the front end needs work at least $1000.00 in work. Because of this I am house bound with all the kids most days. Life is starting to drive me crazy without wheels to at least take the kids some place and have some adult conversation.
I find myself going stir crazy being house bound. Even to go to the food pantry my wife had to take time off work so we had wheels and then make up the time later in the week.
I feel better just talking about it. Just knowing someone is listing makes me feel at ease. Thank you for your time.
SBC The Incredibles Phone
Posted by mistyblu60 on 2011-11-01 20:58:26
I need to hear & see better! In Debt. Taking Classes.
Posted by VoiceMan on 2011-08-16 16:58:10
I am about half-way through the courses I need to launch my new career as a Multi-Media voice/music/acting/film/producer/director/advertiser. This will entail building a home studio, installing equipment and website/marketing costs. I am also playing in two bands and teaching guitar lessons trying to make up the lost income.
My motivation to ask for help financially is due to my hearing aids which are now very outdated. My right hearing aid has been repaired several times and no longer functions properly, I cannot use it to hear conversation. My left aid works but doesn't have the power I need to listen in class and hear what I need to excel. I use an outboard listening device right now but it is horrible quality. I am essentially rendered partially deaf because I cannot afford new hearing aids.
Our personal debt has been managed by my Wife's job but we cannot afford anymore credit card debt. What we bring in pays the bills, there's no more room for new hearing aids which cost $6500.00 for the quality I need. The top of the line aids are needed because of my new career, voice acting in a quiet studio, teaching guitar, live music performance, front of camera work. Contacting clients by phone and computer. All require a wide range of hearing.
My eyesight is now deteriorated where reading glasses don't handle my needs. I need either contacts or Lasik to go from reading copy, to front of camera to intense computer work.
I can offer, as a gift for your donation of $500 or more, a recording of a special instrumental song performed on my acoustic guitar. I can also offer voice-over work, custom made songs for your business for a generous donation.
I speak and write well. I just need help to hear and see better so I can continue to carry on toward my career goals. However, if you have the financial ability to truly help me, getting completely out of debt and purchasing the ear and eye assistance I need would cost about $25,000.
Seems like a lot but every penny helps and that would launch me into a great new career and take the pressure off my hard-working wife. I have a 15 year old Daughter and a 19 year old Son, both of whom I will hire to work for me, they are gifted and creative kids. Eventually, I will hire some of my fellow students for ad work, voice overs etc. This isn't just for me, it will benefit many.
Ask questions, I have nothing to hide except the fact I am "begging" online. I do not consider this begging however, since I am offering something in return to generous donations and I will benefit Society in general.
Thank you for reading, "my story". I hope to hear from you soon.
Please Help Me Leave My Schizophrenic Abusive Husband
Posted by Karma2678 on 2011-08-15 18:58:17
I have been a loyal and faithful wife for 15 years. I've been with the same man for more than half of my life, as I was married very young. We have a 14 year old son and a 10 month old daughter. I would do anything for my family and I have tried for years to keep our family together. All I can say now is that enough is enough. My husband is diagnosed as a paranoid schizophrenic. It has been extremely difficult dealing with his illness, but now it has become impossible. I've put up with him cheating on me, lying to me, him having alcohol problems, losing his jobs, his controlling behavior etc.. etc.. His illness causes him to believe that everyone is out to get him. He believes his home is bugged by the government as well as his phone. He believes they are tracking him in his vehicle. He believes he gets messages from God through the television and radio stations. He is see's and hears things that are not there. Many times he won't have a normal conversation with me unless we go outside and he runs the lawn mower so no one can listen in! I have tried to get him help and he's been hospitalized and medicated, but it does not help all his symptoms. I know that when your spouse is ill you should stay and take care of them, but I just cannot continue living this way. He is medicated at this time, so he isn't hallucinating. What he is, is extremely controlling. He moved us out of the apartment we were living in after my mother died last year. He moved us in with his mother, who has always disliked me. She treats me horribly. He stays gone all of the time and I am stuck here living in a garage. He has the only vehicle and he controls all of the money. We live in the middle of nowhere so I can't even walk to a gas station. He has alienated me from my friends and my family has all passed away now. All I have besides him is my two children. I would love to be able to work outside the home, but its impossible to do so without a vehicle and childcare. He knows this and just will not allow it.
My only hope is that enough people will understand what I am going through and have pity on my children and myself. All I wish to do is obtain enough money to get on my feet and get out of here. I will then gladly work as I was a Medical Billing Specialist. I will take care of my children and myself.
What I really need to do is move my children and myself into an apartment which runs on the bus line. This way I will be able to take the bus to work each day. After some time I will be able to save enough money to purchase a decent used car.
In my area a two bedroom apartment starts at $550 per month and a 3 bedroom apartment starts at $775 per month. Before I can move I need first and last months rent ($1550 max). $150 for Electricity Deposit. I am estimating that I would need about $500 to pay for a U-haul truck and a couple of guys to help move me in. I also feel that I should not move until I have my next months rent, grocery money and a little extra for miscellaneous expenses ($1275). So, it looks like as soon as I can come up with approximately $3500 my nightmare will finally end!
The good news is that I do have an old co-worker who is in charge of hiring at a medical billing office in my area. She is holding a position open for me in which I will earn $600 gross each week. I know its not much, but I should be able to manage on my own as long as I budget wisely. I should also be able to receive child support payments for my two children at some point in the future.
If you have the means to help my children and myself I plead with you to do so. You would be dramatically changing the lives of three people in a very positive way. I promise that I will never forget any help that I receive and as soon as I am in the position to do so I will pay it forward.
Thank you in advance for considering my request for help.
A Place to Lay My Head at Night
Posted by LovingAuntie on 2011-07-21 22:58:41
In most instances, when you hear of someone being diagnosed with HD, itâs more like being handed a death sentence. This is due to the fact that there is no known cure and for many, the course of their illness for the rest of their lives is outright terrifying. Care and treatment for HD is extremely costly, and can be arduous, rigorous and intense, and therefore persons with this illness are usually placed in residential care and treatment facilities to live out their days.
My niece has chosen to live a full and meaningful life with HD and through the Grace of God, and all who step up to support her in this effort. She is currently residing on her own, and has shown amazing courage, strength and unique humor each and every step of the way. Most recently she mentioned to me in a telephone conversation that she saw a televised showing of a young girls wish being granted by the Make a Wish Foundation, and how she could use them to get a midsized sofa bed for herself, which she currently needs for her studio apartment.
After an exhaustive internet search for sites that grant adult wishes, I came upon this site and am formally submitting this request to you for your consideration. There is a Big Lots in the area where my niece resides which has a sofa bed for $400. If you are in a position to donate some or all of the funds towards this purchase please feel free to do so. If you find yourself in a position to purchase the sofa sleeper and have it delivered to her, this too is welcomed. Either way, contact us so we can make arrangements.
And if youâre feeling despondent because you have no money to contribute, you can assist us in this way. Weâve had tremendous success so far this year in garnering support for the Huntingtonâs Disease Parity Act, which would make it easier for people with HD to receive Social Security Disability and Medicare benefits. Prior to the onset of HD, my niece and most other adults affected with this disease were tax paying citizens like you and I. We are up to 83 cosponsors of H.R. 718 in the House and 6 cosponsors of S. 648 in the Senate, and we need YOUR help to get Rep. Grace F. Napolitano on board. You can do so by writing to her as well as your own congresspersons to support these bills.
Thank you for your consideration and effort.
Please help me to get my son back-http://theburtonfamily.weebly.com
Posted by krimage on 2011-07-10 09:58:34
My oldest son Keegan who was born to me on Christmas has been out of my home for over 3 years. My son is 10 years old and right now is living at a Residential Treatment Center; this facility was provided to him by the State of Texas Department of Family Services. The Department of Family Services was sought by my ex-wife over 3 years ago for help assistance while I was working to support my family living. This is not going to be a story where I am going to bash my ex-wife, at that point of life she was not a good mother, she could not handle the responsibilities and our son Keegan was on medications or medical conditions given to us ADHD, Hyper-Aggressive Disorder, and possible Bi-Polar.
Keegan was not acceptance to large change. We had to move from a city and a house where my son felt settled, back to our home city of Amarillo. This condition did not set well with my son, but as long as Daddy was with him he felt safe. Then Daddy had to be gone from Monday through Friday (except Friday Night) for work, and then when I was home I would spend time with my kids. Keegan was settled with this, but on the second week gone his medications ran out and the MHMR would not see him for three weeks, his past Pedi-physiologist would not refill medications unless they saw him which started him on a process where his mother felt she could not attend to his needs. Situations always arose and my ex-wife sought help from the Pavilion while I was away. After one month of this my ex-wife who was listening to âherâ friends kept telling her to seek help with Family Services. Then an incident happened at home, my ex-wife and her friends left the house to look at business property (for what reason I still do not know), but left a thirteen year old who was not mental capable himself to watch Keegan, his sister Shaylah, and her friends youngest son. The situation happened when my son Keegan and Shaylah got into an egg fight with the thirteen year old and his youngest brother. The youngest brother got upset because he was losing and picked up a stick and STABBED Keegan in the back and punctured him. Keegan got upset and picked up his Fatboy skateboard and knocked him across the forehead knocking him out in one hit. This information was provided to me by my ex-wife and her friends. That is when my ex-wife called the Sherriff f department on Keegan because of the situation; she allowed her friends threaten to beat him to death and scared him so bad he defecated himself. He did not feel safe and the only person who would make him feel safe was over 3 hours away.
Since Keegan was under the age of 10 years old they could not take him, so again my ex-wife called Family services and with the discussion of everything and the fact he had been in the pavilion prior the accepted to take him for help and placed him in a temporary childrenâs facility.
I did not even to get to see my son before they took him, I had to go to the Randall County Courthouse where I was explained by the legal team and Family Services if I did not accept this treatment for my son I would be held liable for the charges and I could charged for his actions. I knew my son needed help, but not this help. I was assured he would get proper treatment and care for, and he should be home soon. A year later I was told the state now has permeate custody of my son, but I still have a stature of rights as a parent and I am not banned to see my son.
There is more to that story, but again I am not dragging other events, but after three years he is in a facility that tends to switch out employees weekly, they are not participating in family counseling, at this point of my letter I have not talked to my son in over 2 months, and have not received any of his letters he writes. Visitation has been promised to me once every other month to bring him home for a day visit, but that has not happened 9 months. The State of Texas has made a statement they are not responsible to bring my son home for visitation because they do not have the money for this, and it is my responsibility to make the visitation visits 3 hours from me. I was promised weekly phone calls, but again that is not happening, and when I call the facility nobody seems to be there to assist with the issue. Texas Department of Family Services is over stocked on cases and I tend to get a voicemail over a real phone conversation, and when I email I may get a response. I was explained I am supposed to have family counseling sessions with Keegan because the facility is breaking that bond with my son and his family and for the past 3 months that has not happened. I have been told by the State because of my financial conditions even if he was ready to come home they would not let him.
This is my plea for help, my son needs help, I need help and I need to do something about my situation. I am a hard worker, I take care of my two other kids and do not receive any support from my children mother. I make enough to stay afloat, I have a best friend (as close as a brother) help me trade my old Chevy Pickup for an automobile that will get me around in the city but do not go hard on it. Overall I am just an average hard working low class worker trying to get back what is his.
Nearly Destitute
Posted by tleevz1 on 2011-06-16 01:58:13
Here is where the story gets ugly. My mom had paid my auto insurance but she lost her job so I started to pay the premiums. I told my insurance agent to automatically deduct the premium and I gave her my bank information. So I was under the impression I had insurance. I did not. The agent only charged me for one month's premium and never set up the automatic deduction. Great. But there seemed to be a silver lining...the two other vehicles involved in the accident drove away before the police arrived. I did not get a ticket, I was completely sober and cooperative, and the police were surprised two victims of an accident would just drive away. Both parties got all of my information, they drove away before I got theirs. At the time of the accident I wasn't worried because I thought I had insurance.
When I called my agent I was informed that my policy lapsed because I hadn't paid my monthly premium.
I was curious if the fact that both of these people drove away would take the heat off of me. The police thought this was possible, after all, how can they prove they didn't smash up their vehicles further after they drove away to get more insurance money?
It gets worse. I left my job a few years ago because I had a job all but promised to me in Denver. Obviously, I didn't get the job in Denver. Not sure why, I aced the interview. So with no steady income (I was used to making about 42k yearly) I held hope I'd land a good job and had no choice to but to survive on a credit card for food and gas. That good job never came along. I ended up working overnights as a nurse assistant in the mental health unit. I've been drowning in debt, I had to get a car from what some consider a predatory lending car lot. I lost the hospital job in April for 'misconduct' (I worked nights and someone reported that I was sleeping, I wasn't but they didn't believe me so now I don't qualify for unemployment.) So, no income to pay for that vehicle and it got repossessed. But the best part is I got a letter in January 2011 stating that I owe one of the parties involved in the accident around 5k. I don't have it. If I had the money I would write both of the drivers involved in that accident fat checks right now, but I simply do not have the resources. The letter from the state dept of transportation stated that my license would be suspended unless I came up with the money. So I called the agency, and from my conversation with the state employee it sounded like my case would be reviewed. Nope. A collection agency sent me a letter saying in total I owe nearly 35k for the two cars and my credit cards.
In February I was on my way to a friend's house and I was pulled over because my temp tags were expired. The officer ran my license and I was handcuffed and taken to jail. I have never been arrested, and my driving record is excellent. The officer even thought it was silly. Regardless, now I have a court date in early July and I have the public defender taking my case. He said I either need to pay $1000 fine, or spend a minimum of 2 days in jail. So it looks as if I will be in jail at least 2 days because I have no money. Being without a vehicle is no picnic. My job search is limited to places on a bus route close to my home in Kansas City. I have no friends or family with that kind of money. I am not a drug addict, or a criminal. My career tanked, and I've kept falling through the cracks. I stay positive and I love life, but the anxiety and absence of pride in my life are making me isolate more. I can't afford to do anything. Luckily my brother is letting me stay in a spare room at his place or I may be homeless. I am a hard worker, I have a bachelor's degree, and I am a pleasant person to work with. But I have no car, no money, horrible credit, and bleak job prospects. Please do not think I feel sorry for myself. I've made stupid decisions that got me where I am. I take responsibility for putting myself in situations where these things happened. And especially for not paying attention to my financial obligations (the insurance premium). That being said, all I can do is look forward and do the best I can to get back on my feet. At this moment I feel like a wet puppy who is trying unsuccessfully to jump out of the tub during a bath. I need help. I don't know who to turn to. I've wanted to volunteer at some places to meet people and network but without a vehicle and a suspended license I can't even volunteer at most places. Please, if anyone can help, contact me with suggestions. I desperately need to file for bankruptcy but that costs around 1,800.00 and I can't afford that.
I also have around 27k in student loan debt. That debt along with the approximately 35k in unsecured debt leaves me with a very large amount of money that I have no realistic chance of paying back. The student loans will not be affected if I file for bankruptcy. Which is fine. As a matter of pride and doing what is right I don't like that my debts can simply be written off, but that is seemingly my only option. I would love to volunteer for a charity of my debtor's choosing to start to contribute something, but that proposal often times ends up sounding like a mutated version of indentured servitude.
I apologize for the rambling. This is the first time I have ever written all of this down at once and I feel better.
Thank you for your time.
How I'll Become Homeless...
Posted by VFowler on 2011-04-06 19:58:46
I'm pretty sure nobody reads these things, but this is my last shot at doing something for myself and getting out of the rut that will inevitably leave me homeless in one month. Here's a story that shows just how terrible gaming addictions can become and how much harder it is to dig yourself out of a hole that only deepens by the day with no hope of escape.
In 2007, I began playing World of Warcraft on my crappy laptop (which at the time had been a great piece of machinery). It started out innocently enough. I had real life friends who played the game and I'd wanted to know what it was all about so I bought and installed it. I was instantly hooked in the world, and made some friends that I talk with even to this day. I went through several guilds before I finally found the one I thought I would enjoy. I began spending endless amounts of time in the game, engrossing myself in it. I quit all of my outside activities and all of my hobbies revolved around getting in the game and playing it until the wee hours of the morning. I would come to work sleepy and dislike everyone around me. After the first two years I fell into an odd depression that could only be quelled by, what I thought, was WoW. By the time 2010 rolled around I had been living in four different places IRL, bumming from one place to the other in order to have more game time. I hadn't had a job, I hadn't even looked for one.
Eventually, in September of 2010, I'd had enough. While I want to blame the game for everything wrong I've done in my life, I can only blame myself for letting it get so bad. I could have shut it off at any time, but I didn't. I could have listened to everyone who told me what I was turning into, but I hadn't. My parents had driven from Illinois to Cleveland, Ohio to bring me back home. It was the opening for a new beginning that I thought would get me back on the path of redemption... but it was only the start of a larger nightmare. Between an internet addiction and an unquenchable withdraw from a lack of a game I could no longer play for fear of losing the roof over my head, I managed to find a job at a local gas station.. but that wasn't enough for my parents. They held my misgivings over my head constantly and for every one thing I did right, twenty things were wrong. After I forgot to do the dishes for the fourth time that month, my internet connection had been taken away.
Instead of taking this as a queue to get away and start my life anew, I fell deeper into depression. Withdraw took over and I used the library computers for an hour or two a day before I went to work to keep in touch with the friends I'd been cut off from. Eventually I'd put enough money together to get my own internet connection and had told my father that the Comcast guys were going to come over to install it. He'd been fine with it though knew my mother would throw a fit. A week later, the internet guys installed my box and left. The internet worked for an hour then shot out. When I told my father that the guys had to come back to re-install whatever they had forgotten to do, he'd thrown a fit about people "drilling holes in his wall, and walking into HIS home", and refused to acknowledge that I'd ever had the conversation with him in the first place. This sent me into a panic attack that ended in a night of hospitalization.
While I was in the hospital I had told the doctor while in tears that I didn't wish to see my parents while I was being treated because they were the reason I was in the situation I was in. While they had not physically harmed me, I was in no mental state to deal with their accusations anymore (which my father had yelled and argued with me the entire way to the hospital already). When they'd finally discharged me, I had found out that I had been abandoned at the hospital with no way home; I'd called a good friend to take me home.
The next day, I was told via text that I was no longer welcome in my parents' home.
While trying with everything I could not to lose my mind for a second time, I made as many phone calls as I could. Nobody could help me. Finally, my sister had offered me a place to stay in her friends' dorm room for a day or two just to make sure that I wasn't left on the street. As if by an act of God, an old friend from high school came into my life and offered me a place at his dorm room until I was able to get back on my feet. I now live two hours away from where "home" used to be, and am typing from my computer here. I had to leave the only stable job I'd had in 2 years to come here and getting back on my feet is proving harder than I could've ever imagined. I've had job interviews with no luck and I don't have enough money to put a down payment on an apartment in the area. If I don't find a solution by May 1st, I -will- be homeless.
I wish I could blame everything I've done on my gaming, and the internet, but as said before, it was my own stupidity that has landed me in this situation. Mental addictions are harder to break than physical ones and even now, 6 months after quitting World of Warcraft, every part of me still wants to go back to it, to get back the comfort of living in another world that it used to give me. The only thing that seems to break the feeling and keep it down is a cigarette; cheapest pack available, mind you. The point I'm trying to make is that gaming addictions can be dangerous, all consuming, and deadly. Someday I may write a paper on all the effects of letting yourself succumb to the beautiful world of anonymity and pixels... but here isn't the place to do that.
This is my last ditch effort to get out of the hole I've dug myself into. Today I offer you my heart and soul, and everything I have left that (Thank God) hasn't disintegrated along with everything else I used to be good at.
Thanks for reading. Hope you guys have a fantastic rest of your week.
Pursuit of Education
Posted by JSmith on 2010-06-30 16:58:58
My name is Jewel Smith and I am nineteen years old. I became one of five children after my mother's marriage. Now, I am the oldest of three in our household and my mother is a single parent. When asked, "What is your favorite activity? most children would respond with a sport, videogames, or TV show. My passion is learning. I enjoy all subjects from sciences to literary works.
My mother strives to give only the best of education for my siblings and me. She made it very clear that we had to work as a team in achieving this goal. I attended a private catholic all girl high school through scholarship and financial assistance. I knew my mother couldn't afford tuition for my siblings and me. During my high school career, I excelled in AP/honors courses, maintained a high GPA, and participated in numerous organizations. Many people in my neighborhood believed I wouldn't "survive" in my high school setting because for the first time I did not attend a school with students who were of my racial or economic class. However, I was able to push through adversity even when it threatened to take my mother's life away during my junior year of high school. My mother's lung collapsed and some doctors stated she almost didn't make it. During my high school career, I learned people could cultivate their differences and come together as one entity regardless of race, class, or gender. I was able to maintain over a 3.5 GPA during my senior year and built a strong support system with faculty, friends, mentors, and family members.
I currently attend DePauw University in Greencastle, IN as an incoming junior. I have a declared major in English Writing with a possible second major in Spanish. I maintain a "B" average. I was granted a large package with my school that covers my tuition and some room and board. Unfortunately, the left over balance is still too much for my mother and I to afford. I was informed that I must pay the left over balance of $6,700 as well as my incoming fall balance of $4,000 in order to continue my education at this institution.
I believe that everyone has a special gift that helps the world become a better place. At five years old I knew I wanted to serve others as much as I can. My ultimate goal is to give back to my home community as well as those who are less fortunate in the world through education. It is through this letter that I ask for your help. I want to continue my educational career through undergraduate and graduate studies. I ask that you partner with me so that I am able to make my dream a part of reality. Thank you in advance.
Pursuit of Education
Posted by JSmith on 2010-06-30 16:58:58
My name is Jewel Smith and I am nineteen years old. I became one of five children after my mother's marriage. Now, I am the oldest of three in our household and my mother is a single parent. When asked, "What is your favorite activity? most children would respond with a sport, videogames, or TV show. My passion is learning. I enjoy all subjects from sciences to literary works.
My mother strives to give only the best of education for my siblings and me. She made it very clear that we had to work as a team in achieving this goal. I attended a private catholic all girl high school through scholarship and financial assistance. I knew my mother couldn't afford tuition for my siblings and me. During my high school career, I excelled in AP/honors courses, maintained a high GPA, and participated in numerous organizations. Many people in my neighborhood believed I wouldn't "survive" in my high school setting because for the first time I did not attend a school with students who were of my racial or economic class. However, I was able to push through adversity even when it threatened to take my mother's life away during my junior year of high school. My mother's lung collapsed due to complications of her sarcoidosis and some doctors stated she almost didn't make it. During my high school career, I learned people could cultivate their differences and come together as one entity regardless of race, class, or gender. I was able to maintain over a 3.5 GPA during my senior year and built a strong support system with faculty, friends, mentors, and family members.
I currently attend DePauw University in Greencastle, IN as an incoming junior. I have a declared major in English Writing with a possible second major in Spanish. I maintain a "B" average. I was granted a large package with my school that covers my tuition and some room and board. Unfortunately, the left over balance is still too much for my mother and I to afford. I was informed that I must pay the left over balance of $6,700 as well as my incoming fall balance of $4,000 in order to continue my education at this institution.
I believe that everyone has a special gift that helps the world become a better place. At five years old I knew I wanted to serve others as much as I can. My ultimate goal is to give back to my home community as well as those who are less fortunate in the world through education. It is through this letter that I ask for your help. I want to continue my educational career through undergraduate and graduate studies. I ask that you partner with me so that I am able to make my dream a part of reality. Thank you in advance.
