Cracks Tags

I am 38 yr old mother of 3 married for 17 yrs. Been with spouse 19 yrs total. Spouse is an alcoholic. I'm a disabled high school drop out with a GED. This past year spouse destroyed our marriage yet I'm stuck in this hell with no way out. I can't get disability or SSI. I have no income, savings or any way to support my kids. When I told spouse I wanted a divorce he was going to walk away & leave me with no way to pay the rent or utilities. Can't afford an attorney can't afford anything to be honest. I depend upon him for income. My list of health problems began at age 17 & have continued to compile since. Can not be treated for my medical conditions due to my hypersensitivity to prescription medications & allergies to opiates & codeine. My existence is utterly miserable!! I need a way out of this hell. Everyone deserves to be happy even me. I have to provide stability to my children so I live a lie day to day pretending to be his partner friend & lover. Honestly it is enough to make one have no desire to live. I am trapped in hell with 3 kids. I have been diagnosed with degenerative disc disease, fibromyalgia, restless leg syndrome, herniated T11-12, chronic tendinitis of the groin, eczema. I have very bad allergies with frequent allergic reactions to things in my environment and have no idea what they are. I will be allergy tested next week. The week after I start testing for lupus & kidney disease if nothing is found on scope test of my bladder. I stay sick get many things at one time & it takes me much longer to recover than normal people. There has to be a way out of this with some dignity. I was told by an SSI rep that I am one of those people that just falls through the cracks. There has to be hope for us down here for Christ sake there has to be

Thank you for reading this post. I am a breast cancer patient. I never thought I would have to resort to begging for money, but my cancer treatment used up my savings. I recently took out loans to pay up some medical bills related to cancer treatment. I couldn't take the calls from the hospital bill collectors anymore. Unfortunately, I am struggling to pay the monthly loan payments. Please help me, if you are able. I will need to have cancer treatment for the remainder of my life. I worked and will continue to work full-time despite treatment, but because I work I fall through the cracks and do not qualify for any type of assistance.

Any help is appreciated.

I am ashamed to that it has come to this. I need help so badly it seems so unreal... I don't know how it go this bad...
I am a 25 years old and I have a 2 year old, who brings such happiness to me. I rent a house for $300.00 a month. seem good deal right. That's what I thought while I was pregnant with my son. I had to move out of a apartment complex because they upped the rent to $850.00 a month for a 1bed/1bath and I still had to pay all the utilities. That was coming out way to high for me, know I had a little on on the way. I canceled my contract 3 months before it was up and I go A huge penalty bill for that, but I had no choice. I packed every thing I owned and move to a really really bad part of the city. It was 2am so I just went in with a blanked and a pillow and crashed on a couch that was left behind by some Tweakers. When I woke up I started to bawl. The front door was not Even a front door, it was a temp door that you find a a construction site. Th wall between to living room and kitchen was gone and the support beams were being held by a 2x4, The ceiling was sagging. the kitchen had water damage and the celling was dripping black water. The counter tops was pieces of plywood with wallpaper nailed to it. The bath hall bathroom was nasty like "stuff" all on the tub side wall and spoons that looked burnt? not sure on that but there were needles there. the three rooms not so bad a little drywall work and done. that master bath (if that was what was supposed to be) was backed up black mold? and something dead int the shower part. I called the lad lord and he said "you signed to contract knowing what was wrong". I reminded him of what he told me you said a LITTLE bit of work, Like little patches here and there... he told me you signed it and it said you were to fix up the house for part of the rent and pay 300 for the last bit. fine any how. the whole time I have been here it has be fixing on the house and trying to nurse a baby and work to pay the bills. 2 years down the line the roof leaks every time it rains, I landlord was so kind to replace toe swamp cooler for an AC. That gave me a $900.00 bill, because the house has so many cracks and leaks, it was cooling the out side world too. The hall bathroom tub has a cracked pipe under it and the wall around the spigot started to degrade. the cracked pipe leaks in to the master bathroom and floods part of the master bedroom. I could not pay my gas bill so I had to turn it off, but I boil our bath water to bathe. Work has slowed down so bad and I used all my unemployment to barely keep my head above the water. Now that it is gone... my rent is backed up to 1200.00 I still have to pay 900.00 for electric. I applied for food stamps but budgets had been cut back for the state that I get 150.00 for the month. so I applied for WIC and it gives us a little bit (two gal of milk, a loaf of bread, and 6.00 worth of veggies along with the cheese and peanut butter) I went and got a food box but there was not much ( a bit of pork, 6 mystery cans, and crunchy hamburger buns) all this was to last us for the month. I had to cut back to one meal a day so my son can have his 3 meals and 2 snacks. but lately I have gone with out eating but only once every two days. It hurts bad to do that. I lost 50lbs from this, I mean I looked at it positively, I kinda needed it. but my clothing dont fit any more, they hang on my body or fall off my waist and Now that winter is coming along... I cant get fall/winter clothing for my son, I am okay, I guess I have coats that work for me, He dose not fit any thing that he had last winter. I feel like I am a horrible mother, that cant even get her child clothing and I cant lose our home even tho it is old, run down, leaky, and falling apart. It is still a place that we can be safe for the elements of the outside world. I Have tried asking my mother to help us but she is having a hard time, too.
I am sorry to bother and ask y'all for some help. I am so very sorry, But I have to do what I can to help my son, so he dose not have to worry about when his next meal is or if he is going to be warm enough. I want him to say innocent as long as possible. No child should have to grow up so fast and leave their childhood behind. He is to young to know how harsh and hard the real world is. I want to see him smile over the smallest things at life, It makes all this worth it... for him. Please anything will help us. I will be so ever thankful and know that there still are people out there that have a heart and would show it to the world. Thank You for your time and Thank You for being so kind enough to read this. Thank You from the bottom of my heart.

I am a single mother of 4 children drowning in debt. I have always worked to provide for my children and myself; however over a year ago I became unemployed from my job. During this time I have struggled to pay my bills which are necessities (such as mortgage, lights, oil, heating, water food etc). Due to the lack of money coming in I am forced to use credit cards to pay these necessities, which are putting me in debt. This debt not only puts a lot of stress on me it is also taking away from my children.

The lack of money and the increase of debt has also put important home repairs on hold. Which if left unattended will cause further damage resulting in more work and money. Some needed improvements are bricks and mortar on my house that are completly cracking and breaking off,and mold growing on the walls of the basement due to moisture leaking through cracks (which is very unhealthy for my children). However even these repairs won't matter if I can't make ends meet I will lose my home with no where to go and no one to turn to for help.

So I am truly begging, any amount of monetary donations will be greatly appreciated.

And when I rise above this difficult time I will pay it forward to someone else in need.

https://www.paypal.com/cgi-bin/webscr?cmd=_donations&business=XGXZJRQJP9CJN&lc=US&item_name=Family%20in%20Need¤cy_code=USD&bn=PP%2dDonationsBF%3abtn_donateCC_LG%2egif%3aNonHosted

Hi,
My name is Sara and I really hate to ask for anything, but my boyfriend lost his job and now I am the only one bringing in any income for me, him,and his son. I barely can cover rent, health insurance, car insurance, power, let alone paying credit cards, cell phone bill, gas to get to work, or any of these basic needs. My boyfriend is out every day looking for work, but this makes it really hard because we have only been able to put gas in the car at the beginning of the month when I get paid. I am struggling and really need some help. His parents have no ability to help, and my parents are taking care of my grandma and my brother so they do not have extra to help me out. I have taken out emergency loans just to keep my phone and power on last month, and now I do not know how I will pay these back.

Please Help, I have tried applying for every benefit that I can, but none of these entities count credit card, cell phone, insurance costs, or any of these items as items I need to pay so they say I have enough money. It doesn't help that I am not married, so I do not get the assistance that others do.

I am falling between the cracks and losing hope every day...please help...

My problem started in July 2010. I was involved in an auto accident. I rear-ended a woman, who in turn rear-ended the person in front of her. The reason it happened was that the person in front of me hit their gas and got over to an open spot in the lane to my left. This move was so fast I didn't have room to either side and I saw the reason that driver moved was the cars in front of him or her were at a dead stop. We were traveling uphill so I was unable to see past the car and I had no idea people were stopped. I had less than a second to hit my brakes. Luckily no body was injured.

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.

This is probably the hardest thing I have ever had to do but my circumstances dictate that I must do something. I find myself in a horrible bind and short of panhandling on the street I thought I’d give this a try.

So here is my story, on February 16, 2010 I suffered a heart attack while shoveling snow in my driveway. This was truly a traumatic experience because my son and daughter were with me when this happened. As a result of the heart attack I was forced to take a leave of absence from my job. I thought I would be off for a short time but that is not what happened.

I had the angioplasty procedure and then developed an infection at the site of the procedure which required some additional surgery to drain the infected area. This required another stay in the hospital for three days in May, Which in turn required more time off from work. Then, In June i developed a problem with my blood pressure which required another stay in the hospital.

After that stay my company fired me saying that they could no longer hold my position. As if that wasn’t bad enough they then refused to give me any unemployment stating that I had quit, because I had failed to submit a form. I realize that it was my responsibility to submit the form but in my defense I was dealing with some serious health issue and it just slipped through the cracks.

I was still under doctor’s care but I did not prevail in the attempt to get any benefits. So I began to live off my savings and going to my cardiac rehab. Then in October just after being released from doctor’s care I suffered a mild stroke. Which left me not only physically down but mentally depressed I spent 27 days in the hospital and have exhausted all of my savings.

I have now lost my home and the engine in my car blew out. Fortunately I have been able to receive VA benefits for my health issues which has been a huge help. But now I find myself in need of funds to get back on my feet. I need $5,000.00 to get my car fixed and to tide me over while I look for a job. I now live in the basement of my mother home and am desperate to get back on my feet.

I have donated plasma in order to give my kids some sibilance of Christmas, but I need help to move forward. This so embracing but I am at the end of my rope and don’t know what else to do, so anything you could donate I would be ever so grateful.

Thank you,

Wayne D. Shemwell, Sr.
502.632.1742

This is probably the hardest thing I have ever had to do but my circumstances dictate that I must do something. I find myself in a horrible bind and short of panhandling on the street I thought I’d give this a try.
So here is my story, on February 16, 2010 I suffered a heart attack while shoveling snow in my driveway. This was truly a traumatic experience because my son and daughter were with me when this happened. As a result of the heart attack I was forced to take a leave of absence from my job. I thought I would be off for a short time but that is not what happened.
I had the angioplasty procedure and then developed an infection at the site of the procedure which required some additional surgery to drain the infected area. This required another stay in the hospital for three days in May, Which in turn required more time off from work. Then, In June i developed a problem with my blood pressure which required another stay in the hospital.
After that stay my company fired me saying that they could no longer hold my position. As if that wasn’t bad enough they then refused to give me any unemployment stating that I had quit, because I had failed to submit a form. I realize that it was my responsibility to submit the form but in my defense I was dealing with some serious health issue and it just slipped through the cracks.
I was still under doctor’s care but I did not prevail in the attempt to get any benefits. So I began to live off my savings and going to my cardiac rehab. Then in October just after being released from doctor’s care I suffered a mild stroke. Which left me not only physically down but mentally depressed I spent 27 days in the hospital and have exhausted all of my savings.
I have now lost my home and the engine in my car blew out. Fortunately I have been able to receive VA benefits for my health issues which has been a huge help. But now I find myself in need of funds to get back on my feet. I need $5,000.00 to get my car fixed and to tide me over while I look for a job. I now live in the basement of my mother home and am desperate to get back on my feet.
I have donated plasma in order to give my kids some sibilance of Christmas, but I need help to move forward. This so embracing but I am at the end of my rope and don’t know what else to do, so anything you could donate I would be ever so grateful.

I work as a volunteer helping destitute elderly women, who have no family, few friends and possibly no home. The elderly, especially women, can easily fall through the cracks - no home, no food, no access to social services, no healthcare. Many of these women do not qualify for social security if they never worked.
PLEASE HELP THESE WOMEN WITH A SMALL DONATION - IT WILL HELP BUY FOOD, PAY FOR GAS, AND GET SOME MEDICAL HELP FOR THESE POOR WOMEN.
"But for the grace of God, there go I"

I am looking for help. My fiance spent his life savings on inventory for a business for his parents. His father had a heart attack and cannot work, and his mother slipped and broke her knee cap. He is paying for storage units and our house is falling apart. The insurance company will not pay. We have cracks in the walls and the doors will not close correctly. I am looking for money to help repair the house and pay bills. I just recently lost my teaching position because of cuts in the budget. We tried selling the inventory on Ebay and we had 2 articles in the local newspaper. I can give you links, pictures, etc. The stress is really getting to him. Thank you for your time.

Please email at educated08@yahoo.com