A Mother's Plea: Overcome Tragedy Together

Hi, my name is Stephanie and I’m down to the point of almost begging for help.

On 11/2/24, my sister and I were driving 2 hrs up to Portland to say our final goodbyes to my amazing, loving Papa. However, my sister was driving and we were involved in an accident. A deer jumped out on the freeway and we didn’t have time to miss it. It totaled my car, which I had only had for 10 months . We are okay! Thank you to our guardian angels!!

Stupidly, I didn’t have gap insurance and my insurance is only paying $22,300 of my $30,000 car loan. They REFUSE to do any form of assistance, payment reductions, etc., and I don’t know what to do.

We are already living paycheck to paycheck and having to rob Peter to pay Paul due to everything that has hit us this year. There is no way I can afford $798/mo car payments while hardly working since in September I was diagnosed with Functional Neurological Disorder. I am so deep in depression, as I lost my car on 11/2, lost my Papa on 11/2, and on 11/6 my wonderful mother-in-law passed away too . I don’t have anyone who can help me. I just want to pay off the remaining amount that I owe so I don’t have to have my wages garnished as I’m already -$200 every month since November. If I can’t make these payments or pay it off, they will garnish my wages, which will cause us to be homeless. I don’t want my babies to have to worry about where we are going to live if they garnish our wages.

I just really need a miracle at this point. I have to have a little hope as I have 4 beautiful kids and I have struggled my whole life due to a horrible traumatic childhood, and I’ve been doing everything I can to make sure my kids never ever have to go through what I went through.

I’m quickly losing all my faith that I’ve got because the devil keeps winning and I don’t know how much more fight I have left in me before he takes me down completely.