I don't really understand what happened. Everything was fine just a few
short years ago.
My wife and I both had good jobs. We had excellent credit ratings. We had
been living in our
house for nearly 5 years. And, we were expecting the birth of our first
son. Then, it seems
that a string of events sent our lives spiraling downward. First, my wife
decided to take some
time off after the birth of our first son. I couldn't blame her. She had
been working since she
was 15. She put herself through college without any financial help from
her parents. She
wanted to stay at home for a while and spend time with the new baby. Well,
that didn't last
long. Not long after she left her job, I got laid off. She was able to
find work faster than I, but
now we were a one income family with a new baby whereas we had been a two
income
family without a baby. We went through most of our savings before I landed
a job. The new job
didn't pay as much as my old one, but it was income. The week after I got
hired, she got laid
off. So, we were still at one income. We then went through the rest of our
savings as well as
withdrawing our 401K. And, we had another baby on the way. Then, things
got worse. Both
of our fathers contracted lung cancer and died within 6 months of each
other. My wife helped
our mothers take care of them and helped with arrangements after their
deaths. Since she was
so tied up with all of that plus the two kids, she didn't have time to
find a job. Many would say
she was already working three or four jobs without pay. Since then, she
has not been able to
find work eventhough she has been on several interviews. I do have a
better job now, but it's
just not enough. We are struggling to get along. We have no 401K now, no
savings, and we've
maxed out our credit cards trying to stay afloat. Our once great credit
rating is now in the
crapper. And to top it all of, we got a foreclosure notice the other day.
I can't believe that I have
to beg for money from strangers on the Internet, but that's what I'm
doing. There is probably no
way that I could ever pay you back, but whatever you can afford would be
greatly
appreciated. Ten dollars here and twenty dollars there does add up, and if
I get enough of a
response, it may just be enough to keep us out of foreclosure. By the way,
we have already
refinanced, so there's no equity in the house anymore and those "stop
foreclosure" people
won't do anything without equity. So, if you can spare it, please donate.
You can send
donations via PayPal to desperate@[EMAIL PROTECTED]
God Bless You,
Jim
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