A ‘Dog In Distress…Any Assistance Welcome
Blogging While Black/Latin@ June 14th, 2008
I usually don’t bring my personal life into this blog, for the obvious reasons….but now I am so desperate for help that I’m throwing myself out here for any assistance you can give. It will also explain why I have been absent from the Internet this past few weeks.
My problem is basically financial in nature….Ever since my parents passed away, I have been living with my sister and her family (no names to protect the innocent), paying them rent and sharing part of the utilities and food budget. My job makes about $1,200 a month in salary after taxes and deductions (and that includes a wage garnishment from the Federal government due to a past defaulted student loan from way back)…so, while it’s been a bit tight, it has been managable.
At least, until around three months ago.
Then, I was hit with a series of setbacks that caught me off guard: A $500 deductable for an ambulance ride to the hospital when I got sick with a bacterial infection and the flu; then I missed some time at work which severed my take-home pay for a bit.
Because my credit was basically shot to hell due to my defaulted loan and some bad credit cards from an earlier period, I could not get a traditional loan to temporarily fill in the gap. The only alternative was to use temporary payday cash advance loans, which were readily available.
Problem is, though…..as I got further and further behind and all the financial liabilities continued to build up, I ended up taking on more payday loans to attempt to stay above water….and now it is biting my behind BIG TIME.
As a result, in the past month, they have been taking their money directly from my paycheck as a means of collecting their past due bills…..and thusly, I end up with NO money left over to even pay my basic bills, or rent. It has happened to me the previous two paychecks….if it wasn’t for the stimulus check coming in last week, I wouldn’t have been able to pay even the rent or some of my bills.
It’s gotten so bad that I am even contemplating filing for bankruptcy to at least stop them from raiding my paycheck….or at the very least, attempting to find any company willing to offer some kind of debt consolidation loan that would allow me to pay these people and get back on track.
I am NOT trying to pass blame on anyone here, since I got into this mess all by myself by mistakenly taking on more than I could handle….but remember that everything I did was done to pay my bills and keep myself under a roof.
Here’s where you can help me, if you can: Is there any means where I can find a personal bankruptcy lawyer willing to take on my case? Or does bankruptcy even apply to situations like mine where there is no business or credit liability?? In lieu of that, are there any programs out there that I can use to help me get rid or or reduce this debt so that I can get my hard-earned paycheck back?? Would credit counseling be an option here??
And as tempting it would be to openly solicit financial help and place a PayPal button here, I’m usually not that kind of person to do that….though, if you would offer such assistance on your own, I won’t object.
I could really, really, really use some help here…whatever means it comes by. It’s that bad.
Meanwhile…..I may be a lot more scarce here until this passes; because I am reduced to one-hour access via the public library (with all the filters and censorship within); I will do my best to post as much as possible when I can.
Tags: Personal Distress
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