Coba's Medical and Disability Debt Recovery Fund

Hi my name is Coba (she/they) and I am a mentally, emotionally and physically disabled, nonbinary trans woman seeking help with relief from the financial shackles of credit card debt.

Currently I am around $5,200 in debt and I am asking for $3500 to pay off one of the lines of credit, with leftover to make the other line of credit more manageable to pay off myself.

This is the line of credit that desperately needs to be payed off asap:

My Story:

My spiral into debt crisis began in 2021 after a couple years of severe neck and upper back pain. One day was stretching my back in the warm shower when I felt and heard a pop. Luckily my friend that lived next door rushed me to the ER where I was treated for nerve pain and told to get imaging done. The imaging revealed a slipped disc in my back. Around this time my life long neck pain became unbearable and after some imaging I was found to have a huge bone spur on one disc and Cervical Spondylosis. I lived alone in an unfinished and freezing garage apartment and had no one but myself to help in my recovery. I could barely take care of myself. Got some of my groceries (calfresh) delivered but could only manage small microwaveable items and some junk foods. I also mostly relied on food delivery services, which were costly on my sole income of SSDI. I was able to open a line of credit that I mostly bought physical therapy items new and comfortable bedding (wedge pillow and mattress topper) and food with. After I recovered I still had terrible pain but was taking care of myself well enough. Between the debt payments, rent, food, grocery and car expenses, I couldn't pay off debts with the 900 dollars monthly from SSDI.

In November of 2022 I started dating my partner, Lillian. Literally 5 days after we started dating I was told I needed to move out of the gross garage apartment I had lived in for 5 years after escaping a previous toxic living situation with my brother. I was given until the end of the year to move out. I tried everything to find suitable housing for me, but that's not incredibly possible for a disabled person in California.

Since then, throughout 2023 to now, my partner's family have very tentatively taken me in. I don't feel very welcomed here, and if it weren't for Lillian's protection I'd probably be long gone I feel. I have had several dealings with my physical health and discovery of a neurological disorder I am currently trying to get a diagnosed for, after a scary 24 hour ER visit. Between my inability to cook for myself most of the time, Lillian working to pay off her own debts, rising food costs and delivery, car insurance and lots of unexpected payments for very necessary things, it is harder than ever to pay off my credit debts.

I have never had a stable living situation in my entire life and it's all I've ever dreamed about. I am in overwhelming debt and so is my partner. We both just want a chance to live out our future dreams and the only way to do that is to pay off our debts and start saving money towards moving on to the next stage in our lives. I'm hoping some very wonderful people will be able to see this and want to give what they can to help me achieve my goals in life, free from some of the financial stresses and burdens I am unable to escape from.