It’s definitely been a hard few years to say the least. Every step I make forward, get knocked back a few. I know I’m far from alone in that. But for myself it’s been the struggles of bankruptcy and a layoff from my marketing gig in ’23. The latter only to find I was dropped into a horrible job market.

But steps forward where you can make them. Grabbing jobs in and out of my field where I could find them.

As for those steps forward? Recently discharged from bankruptcy, which was an amazing relief. But only quickly to discover some kind of glitch in my plan from one of the Claimants. Essentially, one Claimant wrote in a 12% interest on their claim, but for whatever reason the Trustee didn’t pay the interest, only the principal.

So, coming out of bankruptcy there’s been a $6K+ debt. That Claimant was my HOA, and with the knocks keep coming, because the Board passed a Special Assessment at the start of the year in which all residents of my building are being charged, well, another $6K+ for building maintenance.

In this case, one of two elevators died. I live in an old building, and the parts just aren’t made anymore. The Board tried, to no avail.

And because everything likes to happen in threes, recently involved in a car accident that totaled my car.

Not even thinking about the car, looking at the $13K… I don’t know how I am going to handle that. On one hand, that interest, one would have had hoped all fees would’ve been handled in bankruptcy, only to come out with debt has been disheartening to say the least.

I did try and explore funding like Personal Loans or a HELOC. But quickly found out recently being discharged from bankruptcy, I can’t get approval. Like for my bank, it has to be 4 years from date of discharge to be considered for any type of financing.

So, I am hoping to ask for help.

Obviously not asking anyone to buy me a car. While I am stressed about that, I mentioned it simply to talk about the life punches lately.

Where I find myself lost is with this bankruptcy interest and Special Assessment. The latter being my focus here.

The Property Management company for the HOA has been known to be quick to Force Foreclosure. And I’m a little freaked out what might happen if I am unable to cover this Special Assessment.

In an effort to show this isn’t just a bunch of bunk, I’ve attached some screengrabs of materials sent. Blacked out some more sensitive material but wanted to show that this is true.

If you’re able to help, be it a donation, or a share to your network, that would be so appreciated.

I can only hope that when I can hit solid ground, I can return the support to others needing a hand too.