I am a 34 year old single mother of a 4 year old boy named Jameson. I love him to pieces and he adores me. We have been each other's only person for years now as his father left us when Jameson was only 7 months old. Life deals - and my story is not the most painful one out there but that still doesn't mean I don't need help.
When his dad left, I got stuck with major debt that I have been "maintaining" for years. I took out small loans, borrowed from my 401K and asked family for help. I have run out of options as the debt is just there, all the time. And we are talking MASSIVE debt...close to $40,000. Joint credit cards that were maxed out by him before leaving, loans, daycare costs, rent, food, clothes, fees at school, car repairs all goes to me. On top of it - his dad pays $0 in child support. $0....
I am losing sleep at night and sweating a lot looking at my bills and how late I am every month. I am withdrawn in my checking account every month by over $1,000...I am not lying at all. I fear that one day a knock will be at my door and someone will take me away. NONE of my family members know how bad things are because ultimately, none of them could really help (no one in my family is well off).
I am a hard working, well educated woman (Masters degree, accepted to attend University for my MBA this fall which will be paid by my company). I have a decent salary on paper but when my take home comes though, a lot of it is spent on cleaning up the negative amount in my checking account, leaving me with hardly any positive money and then the cycle starts all over again
I have sold a lot of things in my house - clothes, jewlery, musical instruments I NEVER EVER thought I would part with to help. I never can give my son vacations, birthday parties and I will never be able to buy us a home because my credit is so bad with missing my due dates on bills
Please help in anyway you can. I am a very religious girl - I pray for God to show mercy on me. Not because I want to take a lavish vacation or buy clothes...but because I am scared for my son and I need this debt to go away so that I can look at him in peace and know we are safe.
Thank you for reading this. Your time was so kind.
Best to you -