I am a single mom of 4 kids, 16, 15, 12, 8. My youngest is allergic to wheat so every meal costs a bit more because I can't use quick-make easy fixes or I'll make him sick.
I am struggling to keep up on rent, power and car I got shoved into by a slick salesman when I was desperate for a car. I am now 612.00 behind on that car and they are calling my friends and family and have begun precedures to repossess. I am 950.00 behind on rent, but I can work that out. I have tapped very available resource, locked myself up with mutiple payday loans and drained my 401k dry trying to get on top and stay on top. I have no other resources. I hae gone back to school and my next scheduled PELL grant disbursement isn't until mid-late December. Last time I told the dealership I was waiting for a disbursement, they told me that wasn't going to work, they needed full payment now or they were coming for the car. Then, like now, I can't sleep, barely eat and worry every minute of every day when they will show up and snatch the car. I had my son clean our stuff out of it this morning.
I work full time, plus ever scrap of OT I can but I have an injury in both arms that make it hard to get there every day. I also have chronic bronchitis which knocks me down out of the blue for 2-3 days at a time. I have been to doctors for all of this but nothing they prescribe seems to stick. Lately I cant even afford the copay, let alone whatver mix of meds they may prescribe. I dont have insurance on the car because I can't afford it. I tried to ge tit and just couldn't keep it.
I need help quickly because if I lose this car I will very likely lose my job, my house and everything else. I am willing to barter my skills as a writer, researcher, data entry, phone work, yardwork, anything (legal) in exchange because I am reasonably sure I will not be able to pay the funds back anytime soon.
I don't want help with the PDLs. I will deal with when I can. I can work something out with my landlord, and I just paid the power down. I need help with this car. I will be getting out of it as soon as I can because the terms are junk and the car is not worth whay they charging me for it. I just need to keep it until I can get something else. Or if I can come up with 750.00 (down+insurance) for a local friendly dealer I have been talking to, I can let this one go. I just have to have a car.
I work 40 miles from my house, and none of my coworkers live near enough to make the trip. None of my friends can afford to run me 80 miles a night (I work graveyard 1030p-730a) and I can barely keep gas for myself, let alone fuel a carpool.
Thank you to anyone who can help.