hi I am a single female, am an artist and started a retail business with nothing and have kept it going for 6 yrs. but the past 2 have the MOST unimaginable. So many bad events I actually feel cursed. Being alone with a house and a business and trying to transform the A.D.D. artist INTO a business woman is a lot for person.My house needed LOTS of work 2 years ago and I was TOTALLY ripped off by 5 separate contractors--I intend on pressing charges but that too costs money and I need to prioritize. SINCE I knew I could not trust any worker alone in my house, and my home needed (STILL needs) normal amenities I was offered help from a friend to keep an eye on the shop while I babysat the workers.....WELLLLLL she needed babysitting as well some deposits mysteriously vanished (as well as a bank stealing from me---a WHOLE other ball of wax.. SERIOUSLY could write a book, but was done a terrible injustice and have no means to fight them)...well in the course of all this....a competition (franchised) store with much more money opened LESS than 2 miles from my store....wah wah wah.....bottom line, gas has been off since May....house at that time went into foreclosure, but I pulled a rabbit out of my hat and saved it...but NOW the workout payments are DOUBLE what they were and I was struggling with previous!...the water JUST got turned back on after a 2 week drought.... D.H.S. is LESS than helpful...I have been waiting for 3 weeks for the prior approved funds to be re-approved all by a simple piece of paper that was SUPPOSED to have been mailed to me and cannot get another-- the whole system is confusing to a non-systemer,--I JUST WANT TO CRY!!!! the system needs a SERIOUS restructure!...paid taxes since I was 16 and cannot get a straight answer and was humiliated by the 'social' workers---OH and not having a CAR (yeah U guessed it a drunk ran a red and I totaled my reliable transportation....$ paid the bank....hit and run of course too so no recourse)......ALL this while my credit is being destroyed trying to keep everyone happy and not doing that good of a job!...there is SOOO much more that has happened it is truly UNBELIEVABLE...and every time someone says....'well it can't get any worse'....IT DOES!...since the heat was off in May (didn't miss it in the summer heat and Tide has cold water wash!!!)...anyhow all of the heating funds through the assistance programs were depleted, so no heating dollars exist because I supposedly make too much money..HA!...DTE is requesting a large deposit and reconnection fee on top of my charges which doubles the amount...It is really cold and I am really scared---pipes freezing, or ME....recently as well, my store was broken into and $ and inventory stolen...I have no one to turn to for help....I was/am soo proud of my store and know that it has a future as soon as I can get back out of this hole and afford the advertising /new merchandise(also pay the vendors that I currently owe)/ and catch up the back rent. My semi-understanding landlord, HAS served eviction papers ONLY to validate that money IS owed....ANY assistance or suggestions would be incredible as life's hole gets deeper and deeper---I DO NOT want to file bankruptcy---HONESTLY this is only a small portion of my cursedness...it is amazing I have not had a full blown meltdown!....I want to get my home finished so i have a peaceful environment and can get myself ORGANIZED, i KNOW this will help tremendously!...I THANK YOU in advance!
I ALSO HAVE NO HEALTH / DENTAL INSURANCE and NEED IT!!
a breakdown of problems
$3000 for a reliable car/plates/registration
$2350/month mortgage payment due to foreclosure fees/workout repayment plan (total mortgage $127,000)
$3600 due in delinquent and current property taxes
$3000 due in past due business location rent to the landlord
$3500 due in delinquent sales taxes from business
$3000 owed to friends who helped me save my house
$2000 in way overdue student loan
$6000 due to vendors for store inventory--thankfully they are understanding
$1000 due to re-connect my natural gas utility
$1000 due to nextel/sprint for unpaid balance on turned off cell phone (there are several disputes, I am tired of going around and around...do not have the time OR the energy)
$700 due in outstanding advertising debt
$300 behind on my phone bill---AND they left my BUSINESS INFO
OUT of the yellow pages...AND listed it as an UNPUBLISHED
$5000 in credit card debt--most is for business and the remodeling which is STILL not finished
$500 outstanding bad checks-with THEIR collection fees
$500 past due VET bill
