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Caving In

Posted by smom on 2012-05-14 12:58:50

Back story: I'm a single mom of two. I work full time and go to school full time. I do not receive child support. My a/c went out recently and before we realized it was out our electric bill had run up to an unGodly amount. My school loans are overwhelming, and to top it off I need to take my kids to their grandparents house for the summer and money is tight. Everything adds up and anything can knock something off the monster that is clawing at my back.

Please save my life from crumbling further

Posted by Jasper23 on 2012-04-20 21:58:22

The last two years have been rather unfortunate. I was going to school, had a good job and a relationship of 5 years. Then my father died, and I had to move my mother with dementia into my home. This caused strain on my relationship and it ended. Then I was laid off. I didnt want to aquire more debt, so I stopped school. My mother also passed away several months ago. I am a strong person, and I dont give up. I have a new job (that pays 5 dollars less an hour) and I have faith things will turn around. But right now im 6 months behind on my student loans payments that I have to pay back since im not currently enrolled. I have maxed out my credit card. and I am near termination of my utilities. I also need several hundred dollars of work done to my car. I just want help to catch up on debt. I know I can manage with a tight budget if i can just knock out what ive fallen behind on. I work at a hospital helping people every day, and im an active member of the community including fundraising for AIDS and Animal shelters. Now I need someone to please help me.. Thank you

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MiddleAged Woman NEEDS money for SHELTER/FOOD and to FIX CAR

Posted by tcbconnected on 2012-01-28 17:58:58

PLEASE SOMEONE HEAR ME Hello Everyone
Well here I am and I don't know where to begin.
I am a middle aged intelligent business woman not a dater partier or drinker. However I am in deep trouble and cant get out without help. I am HOMELESS I moved in with a druggie who said he was not doing drugs anymore. Since I was desperate, I believed him. I have cleaned his home for days in was so dirty, do laundry been cleaning on a daily basis. He moves things around makes messes when he is doing drugs. Lighters in the bed, cigarettes burning ashes all over etc. I have been a caretaker of him and his home. His parents are wonderful Christian people he is not like them at all. His mother had said maybe this is God's will for me to move in. It has taken a toll on me. I have been a great influence on him. He had put a drug in my drink twice I could tell. I confronted him. I am a strong person, this has not been easy. I could see I have made a difference in him. At this point my belongings are in his garage the remainder of my belongings are in storage. I have been here 6 weeks 4 out of the six with no car. He would take me to a job I needed to get too 2 weeks ago. I have been in dire straights' in the house everyday. He has a gate out front which I do not have the code for to get out. He locks the door on me and I have to knock for 2 minutes to get in. I sleep in a room with no heat on. My car broke down once I am penniless, my car guy fixed it free. A 10 year old VW. Now the clutch went therefore I have been grounded. No money to fix it. I asked him since he spends money like water on his children and drugs, however, he says he has none he is on unemployment. He has a history of a felony. I need to get out of here, I do not have a place to go to and no car. Tomorrow he says he is going to put my belongings in the garage on his truck and take it out of here and he expects me to leave. I have no where that I can go. I am behind in my storage fees as well.
When I am on the phone he asks me who am Im taking too, on the computer he thinks I am videoing him his home etc. yes he is parinoid. He was at PASSAGES in Malibu for a few months but it's obvious they did not help him nearly enough. You know if this was a paying job I can I believe work wonders for him. There has been a change in him. It is a challenge but I would do it. I see some progress and that makes me happy. He needs to be held on the right track. I know he doesn't like me here because he really cant be himself. He is limited with me here watching him. Also I have two dogs that have worked wonders with him too... they keep my sanity.There is much too much to explain of what I have been through in my heart Gods knows. Once when he was doing drugs he said he would give me the money I need for my behind storages fees if I don't tell his parents he is doing drugs. I said no Im not that type of person. The more and more I think about it I should have said yes. He hates that I am so straight. Help help help that's all I do I am in a hole and need HELP MYSELF.
IF anyone could help PLEASE MAIL ME one dollar to MARIA L. PO Box 2011 Newburgh, NY 12550 IMMEDIATELY!!!!!!
IF MANY HELP I can get out and get on my feet.
I THANK YOU ALL there is all TOO MUCH more to say.
I WISH YOU ALL MANY BLESSINGS and MY HEARTFELT THANKS GOES OUT TO ALL WHO HEAR ME.

PLEEEEEEEEEEEZ HELP ME!!

begging for withstanding

Posted by vishnu on 2012-01-28 07:58:59

i have no idea about how i can withstand in my life.i knock everyone's door.but not opened for me.can u send at least $1 for save my life

help with kitchen/holiday

Posted by jamima on 2012-01-24 06:58:07

hi,i am a stressed out mum with 5 children,2 have Aspergers/Autism and i am trying my best to look after them and study so that i can better myself and hopefully be able to take them for a little holiday as we have never been anywhere.i do not want to go anywhere expensive,just a weekend away with them would be the best ever.my house also has terrible dry rot,i have spent all the money i had having it treated (house insurance would not cover it).we had to rip all the kitchen worktops and units out(ruined by rot)and knock all the plaster off the walls to treat it,if i could just have any small amounts i could buy kitchen units on sale and try and give the children a tidy clean place to cook and eat their food and do their homework in,i will be extreemly greatful for any amounts to help me so that the children will have a better life,my autistic son cant cope with mess and cries all the time and asks me why he is the only boy in his class that hasnt been on holiday.thank you for reading this plea and if you feellike you would like to help out i am eternally greatful.thank you from the bottom of my heart.

Alittle Humor

Posted by misplacedshadow on 2012-01-02 17:58:45

Me: Knock Knock
You: Who's there
Me: One
You: One Who?
Me: One to fifty dollars from each person can help out alot it doesn't have to be alot.





Need Help with Business

Posted by david3542 on 2011-12-27 03:58:52

I have been trying to get my locksmith business started for 1 year now. I do some work but there are lots of things i still can't do because of lack of equiptment that i can't afford now. Things have been tough with my wife having to have surgery and many other stumbling blocks this year i try to put as much as i can back it to the business. My wife thinks that i'm not charging enough sometimes for my services but in most cases i'm trying to help other though these troubling times. I'm not like some locksmiths that will rip people off but instead i want to help people out. I understand that sometimes you can lock your keys out of your car and you just can't afford to pay someone money you not really have to unlock your car. I know that when my grandmother was living that she had to use locksmiths to unlock her house door after she was locked out. I know that people on fixed incomes are getting rip off by some locksmiths. I want to help all the grandma's and grandpa's out there that need locksmith services with affordable services and work with them so that they don't have to worry about taking money from their food budget but they can still have security they need. I have got some equiptment but i need a code machine and other equiptment to do the job right and make my services more affordable. I am in need of around $12,000 dollars for new equiptment and also for concrete work to put up a building that i have had purchased for a few years now and have not had money for concrete work.So that i can use it for locksmith store. I would also like to add employees later if i can get enough work for them to do. God has been good in keeping our needs supplied during these hard time. Since we have had lost of income it seems like every time that we don't where our next meal might come from he fills our table again. I just ask if you might could help us out with this business please do and i will pay it forward to others. This is something that is very hard for me to do is to ask for help. I'm just going to trust the Lord and what he says to be right in Matthew 7:7 Ask, and it shall be given you; seek, and ye shall find; knock, and it shall be opened unto you: God bless you for even taking the time to read my plea for help if you can't help finacially you can help spiritually by just praying for me. Thank you

Single Mom Needs Help, PLEASE!

Posted by inspiritluvingu2 on 2011-12-17 14:58:03

My name is Tammy, I have a daughter at home and twins on the way. We use to live in a community for women and children only that were involved in sexual/physical abuse. My daughter was sexually abused by 3 men. We lived there for 8yrs and when I thought I was stable enough to move on we moved out! My 23yr old son passed away on Jan 7, 2011 after suffering for 2 long yrs and my 21yr old daughter just got back from Iraq and is looking for a place. The father of my twins, well lets just say he was a mistake. I am unemployed and looking for work, but I am also a high risk pregnancy and many dont want to hire because of that. We are going to be homeless on the 23rd of Dec, 2011 and our electric to be turned off also. I am so desperate and beg for someone to help my family. The total I need to come up with to pay the bills is $1149.00 and thats all late charges, rent and past rent, and the utilities. In the Name of Jesus, I ASK; SEEK; and KNOCK, so the doors shall be open!! God Bless All Who Open Their Hearts To Help My Family!!

NEED HELP PAYING RENT AND CAR

Posted by aurora on 2011-10-25 00:58:44

Hi,thank you for taking the time to read my request . sorry am inposising on you but can't think of anyone else.Have lost my job (8mnths)now.am trying to make ends meet but am behind in my bills,on Rent am 2 month behind and my car payment 2 going to 3 months by the 27th of october.Idonot want to be homeless or loose my car. my landlord has been patient with me but eventhough i have lived here for 11yrs. still she has to pay her bills also. so pls. anyone out their,iam not lazy,am a hard worker.just cought on a thight spot at the moment.So please by the grace of God , show me mercy,and help me ,I promise to help someone else as soon as i find a job.The Lord says ask and it shall be given to you,seek and you shall find , knock and the door wil be open to you,please help me and as today is the 24th of october so do I know the Lord my God will bless you in abundance, for helping me when i was in need. Thank you and may the lord bless you...always...
my rent is $650/amonth
my car is $450/amonth.
thank you again.
Like many wide eyed young students, I was under the impression that getting a 4 year degree would help me snag a pretty sweet job. Likewise, like many graduates, I have come to the realization that this promise is a tall tale spun by universities and lenders trying to leach off my future living funds. If I take the suggested route to pay back these student loans I will, in fact, be paying a total of $182,00 after interest attacks.

To help combat this large sum of debt (and this extra $82,000 I didn't even spend on anything) I have decided to take every possible route I can to ensure that my parents can live life knowing their daughter can afford to eat.

My first steps: I am moving to a state where I can make more money (alone and scared, but ready to pay these suckers off). I am also giving up any luxuries I once afforded myself (Ramen noodles are quickly becoming my best friend) and (as you can see) begging for money. Just $1 from 100,0000 people could knock this debt out. I am relying on my own determination as well as on the kindness of strangers.

I am also toying with the ideas of 1. faking my own death and building a raft to float to another country, 2. joining the Peace Corps, because I heard they might pay off some of your debt, or 3. becoming a stripper, because the jobs I have found so far afford less money than my last resort (which is number 3, so you know).

So, in summation, I would like to ask all you strangers out there to donate even a penny to my sad circumstance. In return for a larger sum I could draw or paint someone a pretty picture and update them as my situation progresses. I also make a wonderful pen pal. All you have to do is check out my PayPal. For a dollar a month you could help me meet the basic necessities of life (such as food and not faking my own death).

Thank you for your time.

need my life changed

Posted by needhelp62 on 2011-06-06 14:58:52

After leaving catering college at the age of just 20, I embarked on my career, but it was taken away along with my life just a few months later, ( im now 55 ) during college my dad died of cancer, it had been my turn to watch over him that night, I was just 15 years old, and I awoke to find that he had died during the night, his hand had locked on to mine whelst I had been a sleep, and I had to have it removed by my big sister, I cannot forget this it broke my heart,my dad was just 47 when he died, it affected me for the rest of my life.

It also profundley changed my mothers demeaner, it changed her, and I was last to leave the family home, and it was so hard.

To make matters worse only a few years ago my mother passed on, and I was away dealing with my own medical problem at the time and missed her passing on, I wanted to say goodbye, it haunts me to this day, that my parents left this world in such a manner.

I am in my late 50s now, back in the early 70s, I was a passenger in a friends car, he pulled out into the path of another car, onto a fast piece of road, and our car was hit at over 90 miles an hour. My seat belt broke with the impact, and I was thrown through the cars windscreen. I, landed on the tarmac and next the car I had been in was bulldozed over my body.

It bulldozed the other car on to my neck and chest, trapping me under it. My arms were pinned to my chest by the cars sill, and my neck was bent up against a cold granite wall, my right leg was wrapped around the back axle. I was ready to die, but held on to life with every passing breath, god must have been watching over me that night.

It took the fire crew an hour to cut me out, then it was off to the hospital, on arrival all my clothes were cut from my body, on examination it was found that my right leg was near on severed from the knee, and was hanging on by a thread of my skin.

In addition I had 4 broken ribs, severe cuts and bruises everywhere and a small spilt in my skull, this skull spilt was not significant at the time, but would go on to ruin my entire life. My mouth was full of broken windscreen glass and I was vomiting blood because of it. Back in the 70s there was no MRI scanner so I was just given an X ray of my head.

Because my leg was the main problem the little split in my skull was just left then as being nothing, but it would play a big part in my life. After being cleaned up and admitted to the ward, I settled back to a 12 week stay, and Around the 3 week mark of being in hospital, the surgeon said there was now no chance of me being able to walk again on my right leg.

I broke down in tears, cried a river and could not understand why me. During my stay in hospital my boss came in and told me he could no longer keep my position open for me. This was devastating for me, I had worked so hard at college to be a chef, and had climbed my way up the ranks to be a chef in charge.

And was now at the age of just 20 cooking in a world famous Hotel, and it was my life, I had left school only 5 years beofre the accident, and had studied at college to be a chef, now because of this crash my career was finished in one hit, my employer had spoken to the drs, who had said working in a kitchen enviroment would be to dangerous for me, so my career was over right there right then.

I now lay in the bed stunned and deeply hurt that because of this accident, I had now lost everything at the age of just twenty!. Then one day I noticed some feeling in my right legs big toe, I screamed for the nurse, and she brought along a Dr.
Over the coming weeks I fully regained the use of my right leg. Of course I thought everything was going to be alright, but from the day I left hospital some 35 years ago now to this day, I have suffered so much.

You see the knock on the head I had during the car crash, damaged the cerebellum part of my brain, a part called the cerebellum tonsil. The severe knock to my head caused the tonsil, to drop out of the cerebellum part of my brain a few mm. And for the last 35 years this part of my brain as been dropping slowley a few mm each year towards my brain stem.

The affect it as is to disturb the cerebral spinal fluid that goes around my brain. The tonsil dangles into a space where it should not be, disrupting the flow of csf, which in turns gives me a wide range of medical disorders.

I suffer with ringing sounds in both my ears every day, 7 days a week, I have headaches daily, coupled with dizziness sickness, and pain in spine and neck, some days i cant feel my legs or walk on them, some days my arms dont work, my balance is hopeless, I cant sleep for severe pain, I cry all the time in private because of the situation I have been in these last 35 years.

To look at me I look like any normal kinda guy but life as been so tough these last 35 years.
The brain surgeons that I have seen have told me that to operate as a 75% chance of death for me, so they prefer me to live with the disabilities until such a time when I become in risk of death, and then they will operate on me seeing theres no other option, this means I live with countless medical conditions all of which I have had to live with for 35 years.

These medical conditions have made my life a living hell, for 35 years ive been dizzy off balance, severe headaces, and forced to go to bed every night knowing that I could die at any given time.
I lay in bed with symptoms of my brain damage rushing all over my body, trying to think positive for 35 years, im now 55, and wish so very very much that I could have given my wife and children a proper home to live in, one we owned, in a nice area, and not to have had to rely on handouts from the goverment merely to excist.

I cry, ive cried oceans of tears in despair in private, while Ive tried to work a way out of this hell for my family and me,but of course my disabilies dont allow me to get a break, so just had to live it for 35 years, ive never stopped trying, but ive made my illness well worse, and just cant do it anymore.

I was a young man of just 20 years old, and my whole life and anyone who would be with me, had changed in the blink of an eye. We got no compensation back when I was 20, and I was a passenger!!! I got shafted by the insurance company, with no dad, and mum still grieving his death, I got ripped off by the othersides insurers. If I was able to just change one thing in my past, it would be to not except that lift in my friends car.

The worst thing about all of what happened to me is, that for the first 12 years after my accident none of the medical people we went to see knew what could be making me so very very ill, so it was hard to get any help at all, after 12 years of seeing hundreds of doctors, one of them finally!!! decided to allow me to have a full brain and spine MRI, but this same doctor had been writing in my medical records that I was a waste of time and that nothing would be found wrong with my brain.

He, had written in my medical notes that there would be no scan because it would be a waste of time, He then reluctently gave me a brain scan, and reported it has normal to my family doctor.
My wife then ordered up copies of my medical records from that doctors hospital, and we found that he had lied about my brain scan, the brain scan records stated that I had a very rare brain damage that would be caused by a trauma such as a car crash.

We can only think like our family doctor does, that the dr who had written my brain scan results to be normal, was trying to cover him self after years of writing in my medical record rubbish about me, and now seeing that I had a rare brain damage had tried to cover it up"!!!!.
I was so angry after the last 12 years of hell, and to now see that this showed that my brain had been damaged severely all those years before, and that I had been made to live in terror all those years that had just passed.

My family said we should get a solicitor to champion our case, and we did, but the one we chose was a bad one, who during our legal case was struck off for mishandling another bigger case, it was in all the newspapers, and when that solicitor was barred from practising, our case was left in such a state that no other solicitor would touch it.
We took my case to 3 other solicitors, all of which said that the 1st soliictor had ruined of chance of winning, and we were left to suffer.

All of these things have mede me so very very tired, plus heavy debt, all my medical symptoms to cope with, and tring to live on pennies, the goverment gives very small amounts to live on, it just about covers food rent and some of the other costs of life. My life, and others with me as been so hard since 20 years old, thes last 35 years feel like 200 years to my body and soul.

So many horrable things have happend to me, my whole life as been blighted from such a young age, ive tried, ive tried so hard, im tired now so very very tired,
As I write this, I find it hard to think, motavation is so hard, each day is full with pain, grief, despair, money truly is the only way we can feel a little better, but we cant get any, so its bills bills bills, we live, but we dont do any more than that.

Now its just me and my wife, who means everything to me, I want holidays and nice things in our home, but we live on pennies and are feeling the affects of what happened to myself 35 years ago. I want my wife to enjoy life the way we were ment too.

My wife helped me through every year and we have 3 wonderful children, these days its been tough trying to make a living owing to my disablement, in the early days of my children growing up, I tried with every part of my determination to make a good home for them, but we could only ever live in social housing, and it was so so hard growing up in some of the areas we had to live in.
As my health as gotten worse we took on debt to keep above water so to speak, benefits were no where enough to live on. my wife and I now owe £50,000 in loans and credit cards, all of which over the last 35 years as built up just to roof and feed our family, and pay ever increasingley high water electric and gas bills.

I have had my dignity taken at the age of just 20, 35 years ago, and have lived a hellish life of pain, and tearful memories of what I use to be. none of what happened to me was my doing, just a passenger in a car.
Any help that anyone out their can afford will help us to live a little bit better. Thanks in anticapation of anything you can afford to give, it will be used to make a better life for me and my wife thanks and good bless.

Help my mother

Posted by mimaca on 2011-05-24 14:58:58

This blog will devote an honest story about a very brave woman who throughout his life only knows the grief, pain and suffering ... my mother ... a few years ago, after a tragic accident and my father's death, even as an underage girl remained alone with her mother .. my mother is a really generous person, a person with a big heart full of love .. Given that we are after father's death, the other two of us, mother coped through life as they knew only that the two of us survived, and not to be found on the street .. She has worked in a company as a cleaner and thus earning money to pay the loan, and directing the money from which we live ... his mother a few months ago lost her job because she is on her left lung cancer was observed, and no longer able to work ... and is unable to pay the loan which was raised to buy some small piece of land on which we ourselves have made a small cottage in which we live now ... We have not had a man at home I remember that we are hungry, frostily operated and participated in building the house ... but the mother was always brave and hoped that it will get better tomorrow, cold nights comforted me, hugged and talked to all problems in one go , that we will one day live a normal life like everyone else .. when I saw a child playing with a beautiful, new toys, and after a few hours and toys throw it away, I would be sad, because my mother had money to buy me one, but this would give me the rules of the old pieces of doll clothes with which to play and comforted me by saying that we will one day buy the most beautiful Barbie doll ... thanks to her, I could not, even though she wanted, because he barely collected money to cover costs and bills that are coming every month. It's true mother did not earn enough to be able to start work on the house, so she decided while she had a job to raise a loan and to all health .. and better if it had never picked up, because now I see how in the dark room, because we do not have electricity that we excluded because of debts and a pair of unpaid bills sitting and crying, they drink a large quantity of pills that was kept alive, but not for long .. :((( is a look I know I can not help her .. just know that every month come new unpaid accounts, the rate loans more expensive, and we have no where to be back soon ... we expect that we will get someone from the bank, knock on doors and telling us that we move from our modest home by his mother with a lot of sweat, blood spilled and made ... .. I'm stuck because I'm his best friend and her parents asked him to allow me access to their computer and internet so I spoke to all those people who understand me for at least a little help ... because I know that somewhere in the world there are people of good heart that will help us .. I am sure of it ... that would pay off our debts, we have nothing to sell, but we only hope that all those who understand us in any way that could help us ... believe that we welcome and donations of clothes, medicines, money ... and also I'm sure all of you in your closet has at least one piece of clothing that does not carry, I believe that each of you every day because of money buying things that you never need, and believe that this money is welcome and anyone a bar for what little life he was much else in life, made you happy .. please do not judge me, do not make fun of this by my painful story, because I really do not know how to watch someone so dear to you and not be able to help him ... the only thing I want, and my greatest desire that I have is to see that beautiful smile on her mother's face, which has long since disappeared, because they are occupied by a pretty face problems, worry, hunger, misery and poverty, illness ... I believe that you or Written the smallest part of one of sadness and pain that we passed along, we pass by every day .. do not blame your mother that has raised loans in the bank that we can not repay, because if it did not raise never would have had nowhere to spend the night ... now just know that we were God is determined by birth and who will allocate which belong to the Society of bed .. just do not know what all the bad things in life happen to good people, why all the misery, disease, sorrow, suffering, going to good people? What are they deserve ... but I still have faith in God and you my dear .. and if someone in any way can help us..:((((((((((((((((

paying for school

Posted by superkate on 2011-02-27 14:58:35

Iknow the stereotypes of single mothers, hoever im trying to break that. Im currenctly in my second year of study on a bsc degree. Financially with two young children it can be harder balancing the checkbook than the school books. I returned to education not only to improve my job prospects and financially support my family but to show my children that education is a good thing even at my age and also that people can knock you down but you can always get back up.Ive never begged for anything in my life but if this is what i have to do to continue my studies then it has to be done. thanks for listening to my stoory im so grateful

I LOVE SUCKERS!

Posted by startingvover on 2011-02-13 17:58:58

No, I don't think you are a sucker, but I AM trying to start up a confectionary business selling the best suckers ever made! My suckers are funky little designs, thick with outrageously great flavors, and everyone that tastes them raves on with how awesome they are.

Rootbeeralicious, CottonyCandy, Hotlanta!, LatteLove. Just a few of my superlicious addictive flavors.

This is all part of my "dumped by my huband at age 56" starting over strategy. I WANT success. I WANT to make candy lovers ecstatically happy by offering this ONESHOT dessert. And, just to tease you a little bit more, I am working on something called "Cake on a Stick". Don't want a whole peice of cake but craving some sugary sweetness, a little icing, some chocolate and the happiness of cake? I've got it! ToffeeCoffee, StrawberryMint, ChocoRocks, and a bunch of special ocassion creations that will knock your socks off!

Taste tests have proven that my flavors rock and customers will pay premium just to get one. People already contact me thoughout the whole year to beg me to make them. And Christmas?? I can't keep enough coming out of the kitchen. No more hobby for me! I'm ready for business.

Let's get started! As an investor, I'll send you a special edition personalized sucker all for you! Might even name one exclusively in your honor!

Come on! Take a chance and be a SUCKER for my SUCKERS!

## Please Help Me End This Crippling Circle of Debt !! ##

Posted by Jh6Fg45TdF34 on 2010-08-25 17:58:58

Hello. I’m not one to ask for help with anything (I guess that I’m too proud to ask) which is why it wasn’t easy writing to a site like this. But all the same, here’s only a fraction of my story and hope that after reading this you would be kind enough to help out in any way that you can…

I’m Brian. My wife and I had been struggling financially for around 10yrs which inevitably put a lot of strain on our relationship.

Three years ago when our beautiful daughter was only 7yrs old my wife had an affair which resulted in a baby. I took the difficult decision to have her back and bring up the baby together to try to keep the family together and not ruin our daughter’s future. It wasn’t easy but unbelievably my wife did the same thing again only a year later and eventually left home – not something for any child to have to suffer…

Since seperating and leaving me with all our debts I’ve been struggling even more than before whilst bringing up our (now 10yr old) daughter on my own.

We almost lost our home twice in the last 2 years, the second time I stopped an eviction only an hour-and-a-half before being repossessed by paying around £600 to the mortgage company – that was really scary, wondering where we were going to live if it all went wrong.

Within weeks a debt collection company tried to make me bankrupt for a £1500 debt. I paid the full £1500 on time but then the courts added £1800 for solicitors costs! It took me many months to find and pay the £1800 by which time they clamped on another £1500 in costs for chasing up the first set of costs – which is still part of the bankruptcy order!! I really need some help in finding this money to stop being made bankrupt and our house taken from us.

At the same time I hadn’t missed any payments of £100/mth to a bailiff for an old Council Tax bill until my daughter accidentally put a car window through whilst playing out with friends. Although her friends ran away she knocked on peoples’ doors nearby to own up to it (gives you an idea of how she’s been brought up). So proud of her for owning up but didn’t help financially - I ended up paying a full weeks wage of around £300 to pay for the damage.

A knock-on effect was to miss the bailiff payment by 1 week which I caught up with straight after. Even so, they threatened to take my car, tv, etc if the balance wasn’t paid within 48hrs!! So there went £400 plus an extra £90 in fees!! Another thing I could have done without. Two big bills in 2 weeks. Unbelievable!!..

Life just isn’t fair sometimes. I’ve tried long and hard to hold onto what I’ve achieved so far on my own only to be taken away by companies who don’t really care about the real suffering and mental torture that it causes people.


I work full time but the money is never enough to get out of this ‘circle of debt’. My credit report has been in tatters for years with CCJ’s, defaults, missed payments, etc. It’s slowly turning around, but not quick enough. I just can’t bear the thought of another 10yrs of struggling ahead of me and not being able to ‘really live’ and be able to spend more quality time with my daughter before she gets too old and leaves home herself with not much to look back at. I don’t want to be seen as being a failure to her after all that she’s been through.

If anyone can help then please donate what you can. To be honest, I don’t want to just take peoples’ money ...I want to be able to give it back once we’re comfortable again. Seriously, if there’s any way that you can give a donation and provide your e-mail address (unless it shows up after a donation has been paid through PayPal) so that I can PayPal it all back to you plus a little extra as a big THANKYOU for your thoughtfulness and generosity.

Thankyou,

Brian

My shame knows no bounds, but I have to try something.

Posted by KellysHouse on 2010-08-12 23:58:58

Hello all,

My name is Elizabeth, but I go by my middle name Kelly. I am a 38 year old disabled woman (degenerative disc disease, two back surgeries, one abdominal surgery). I current live in El Cajon, California and due to painful reasons I cannot voice, I must move NOW. I am trying to move up to the Bay Area as I have family and friends there.

I have saved $10,000 of my own money, but I need another $10,000 ASAP. I have found land on which to build a home. The land is $9700 for a .27 acre lot. No, that's not a joke. There are about 26 lots available within a sixty mile radius of San Francisco that are listed at/or below $25,000. While I am building, I intend to live in an RV. It's the most cost effective way to move right NOW and have a home of my own for the first time in my life. I have found a suitable and well priced RV for sale. The dealership has agreed to knock another $2000 off, so after fees and taxes, it would be $11,000.

First problem: My credit has been destroyed over the last three years due to medical bills that I put on credit cards (those financial issues are resolved, but still took their toll on my credit). All of my efforts to obtain any kind of financing have now been exhausted. My credit report is actually the lesser of the issues. It's the fact that I'm disabled, on a fixed income, and have no idea when or if I can return to work (I have requested clearance to return to work and have been denied repeatedly by three different doctors). This presents the biggest concern for lenders despite the fact that how little I need to borrow would constitute a monthly payment of only 17% of my income. It makes no difference if the loan is for the land or the RV. I am considered too much of an "unknown risk." And to answer an obvious question, yes my family has already pitched in as much as they can.

Second problem: With the $10,000 I have, I can either buy the land outright, or buy the RV outright, but not both. If I buy the land, I have no way to live on it. If I buy the RV, I have no place to park it to live in it. So, I am throwing my pride out the window and I'm asking for help. If you can and are willing to help, I would be extremely grateful. Every single dollar counts... So, if a dollar is all you can spare, I would still be just as grateful. At the point at which I own the land and the RV (and my car, which is paid off) this will be just enough collateral for a bank to loan me the $45,000 I will need for the cabin kit (it's a small cabin that comes to you in pieces and you put it together yourself.... think Ikea on a much larger scale, and much better quality; it is about $18,000), and the rest of the bank loan would be to connect to utilities and lay a foundation.

I want to make it clear that I am only asking for enough help to get me up to the Bay Area... 10K total. Once I have the minimum I need, this post will come down. I'm not asking for any more than I need to get the land and the RV at the same time. I'm not asking for ANY of the money I will need to build my home and connect to utilities. I can and want to take responsibility for that myself. I'm only asking for the kick-start I need... I've saved half my start up on my own. I need help for the last push to get me to my personal "Promised Land."

Thank you for taking the time to read about me and my situation... I hope that one day, when I am financially established again, I will have the means to come back here and help others the way I was helped in my time of need.

Kelly

Hello out there, Robert(Bud) here. Well, I have...

Posted by 0 on 2010-02-16 05:58:58

Hello out there,


Robert(Bud) here.

Well, I have a common story. I am a journeyman carpenter that has been hit hard by the downturn in the economy, was unemployed for about 6 months of 2009 and finally landed a construction job at a significant pay cut.

Unfortunately, though I am currently working at this job, I have debts from when I was more gainfully employed that I just have not been able to touch as I am basically just barely surviving paying rent in an overpriced, bad apartment, food, and am actually behind on my cell phone bill as I speak.

I need about $10,000 is the truth, to make my debts go away and get creditors and the state IRS off my back as they are harassing me on a daily basis. I knock out some bills when I can, but really am overall falling behind such that even the basic expenses are an issue and I occassionally have to use the food bank for the 1st time in my life.

If I could just clear out the debts I can make it.

Would completely appreciate donations to this end, AND I am willing to do carpentry work in exchange if that is an option.

I have all bill documentation and can supply any proof to further verify my claim.

My email address is: zerobertinho1@gmail.com

Please contact me there if you are able to help which would be greatly appreciated.

Thanks, Robert(Bud) ;)

Hello out there, Robert(Bud) here. Well, I have...

Posted by 0 on 2010-02-16 05:58:58

Hello out there,


Robert(Bud) here.

Well, I have a common story. I am a journeyman carpenter that has been hit hard by the downturn in the economy, was unemployed for about 6 months of 2009 and finally landed a construction job at a significant pay cut.

Unfortunately, though I am currently working at this job, I have debts from when I was more gainfully employed that I just have not been able to touch as I am basically just barely surviving paying rent in an overpriced, bad apartment, food, and am actually behind on my cell phone bill as I speak.

I need about $10,000 is the truth, to make my debts go away and get creditors and the state IRS off my back as they are harassing me on a daily basis. I knock out some bills when I can, but really am overall falling behind such that even the basic expenses are an issue and I occassionally have to use the food bank for the 1st time in my life.

If I could just clear out the debts I can make it.

Would completely appreciate donations to this end, AND I am willing to do carpentry work in exchange if that is an option.

I have all bill documentation and can supply any proof to further verify my claim.

My email address is: zerobertinho1@gmail.com

Please contact me there if you are able to help which would be greatly appreciated.

Thanks, Robert(Bud) ;)