I've been freaking out over school starting in 2 weeks. I've worried and wondered how we're going to afford to send the girls back to school with new school clothes and supplies that we just can't afford. I'm trying to figure out how to make a 6 year old and an 8 year old understand that we just don't have the money for new shoes or clothes or supplies right now. I'm trying really hard not to think back to how I felt as a kid, returning to school without all the new things that all the other kids had. We just don't have any extra money right now. Some weeks we do good to put food on the table. Bobby was off work from July of 2008 until April 2009 with his illness. We're so in debt with medical expenses that I feel like I'm drowning in debt everytime I check the mail. We're doing the best we can.
I'm losing my car. I don't know how to take that. I've never missed a payment, never been late on a payment. For 2 years, I've payed for that car every single month on time, everytime. Sadly, my car loan was in my father's name. I didn't qualify for the loan and he offered to take out the loan for me. Then, he took out a personal, unsecured loan for himself. Now, he is seriously far behind on his loan (through the same bank) and they are calling in BOTH loans and taking my car as the collateral on his unpaid loan. My lawyer assures me that what they are doing is legal. They are coming to take my car from me, even though it has been paid for on time, everytime. They don't care that I have 3 kids and can't afford another car or come up with a down payment. They don't care that I have good payment history. They don't care that Laney won't have transportation to therapy and the girls won't have a ride to school. They don't care that I have to take Bobby to neuro appointments and Laney to eye exams and Destiny to counseling and Paisley to the pulminologist. They just don't care. But I do. And that's what keeps me awake at night crying and stressing and worrying. When my car is gone, they are taking more than just my money that I've apparently thrown away for the last 2 years, paying for a car that will never be mine. They are taking away mt ability to take care of my family the way I should be taking care of them. Laney needs that therapy and Bobby needs those neuro appointments and Paisley needs to see the pulminologist. The girls have to go to school and I have to have a car to go grocery shopping or to the doctor. I bet those bank people don't lose any sleep over this.
Forgive me. I just needed to vent.












Prayers are coming your way, my friend! I wish I could just snap my fingers and make the anger, hurt, and disappointment go away. My heart, love, and prayers come to you. Hang in there...one step/day at a time!
ReplyDelete~Elyse
Have you gone in person to the bank people? Sometimes it helps if your relationship is personal and a face goes along with the name. I would think they wouldn't want this to happen to you either if you've made good on all the payments. Its worth a try to see if they have something else to offer you, but go in and ask. Bring the girls with you! In the meantime, rest in HIM, and you will not be alone! Will be praying for you and for a solution to this problem!
ReplyDeleteLifting you and your family in prayer. My heart goes out to you, sometimes venting helps. Praying that you hold tight to God's plan and he will grant you some peace for the journey. Your surprise is on the way...
ReplyDeleteKaleena, I'm sorry I'm late in seeing this post and so hope that things are somehow working out and you don't lose your car. I can't imagine all the struggles. Vicky made some great recommendations and I pray that you will have your needs met and begin to thrive. Hugs to you.
ReplyDeleteGod is watching, and I just know that He will continue to provide for you and your family. It is hard to go through so many hard things all of the time. God will reward us for all of the trials that we are facing and have already gone through.
ReplyDeleteLove,
Jenny
Have you thought about homeschooling your children? I am a homeschooling grandmother of 2 - retired and living in FL. No NEW clothes and supplies are needed - no keeping up with the Joneses. That still doesn't get you a car - I like the idea of showing up with your girls at the bank to meet with someone and tell them your story (it certainly can't hurt) or at least put your story in the form of a letter to the bank president. Start researching agencies in your area that might be able to help you. Don't be ashamed that you are asking for help. The school should have a social worker who can steer you toward the right places for help. Ask others and you'll be truly blessed by those who want to help you and your family.
ReplyDeleteWendy (retired in FL)
I am praying that answers are coming your way.
ReplyDeleteI came here from Vicky's blog as I noticed your comment on her latest post. It saddens me no end to hear of you going through so much. I wish I could do something for you. Even though we don't know each other, I'll pray that all your woes disappear into thin air soon. I felt so bad seriously. Like you yourself say, God does not give us problems without giving up solutions to them. There is a solution and it will come to you. I don't know your history, but only one solution comes to my mind for now and that is to work part time somewhere to earn something extra to pay the bills. Maybe volunteer at Walmart/ Starbucks or any retail outlet. I certainly understand you are over worked, but if the bank authorities aren't ready to relent, something has to be done. I seriously hope you get out of all this real soon. God bless!
ReplyDelete