My name is Keith...

I was recently diagnosed 8/14 with rectal cancer… 2 days before my birthday

I am humbly requesting donations as I have found myself in an unescapable debt situation...

In 2017 I was let go from my employment, with only a 30 day notification… I had never been given a verbal or written warning regarding job performance etc, the owner simply decided he wanted to replace me with the sister of his favorite employee …

at that time, I 55 years old and devastated.

I lost my job ( income ) and health insurance in 30 days

2 months later, a had a medical emergency

( heart ) and needed a pacemaker…

I was diagnosed soon after , with Pulmonary Hypertension and Dupuytren’s Contracture disease in both hands...

I also have an auto immune disease that I have been living with for almost 30 years

I applied for Social Security disability. Over a 2 1/2 year process , 2 different denials, hiring attorneys...

I was finally approved with the appeal …

However, during that entire 2 1/2 yrs process I still had to live… pay my bills etc

And then COVID hit the world

I had no choice but to live off credit cards and borrow money from my mother ( 80 yrs old )

Neither us had and money to speak of ie

( retirement accounts, mega bucks etc )

I actually moved in with my mother to consolidate households so that living was a bit less expensive for us both

Now I am facing a financial crisis because of credit card debt ( $30,400 ) between 4 cards has risen astronomically

Interest rates are 27-29%

Payments are each up to $100 - $300 each monthly now

Because all cards are “ maxed “ out, my credit scores have plummeted under the 600 mark

Prior to all of this, I was over 725 FICO

To this day; I have never made a late payment or missed a payment

The issue, I literally have less than $100 each month after I pay all required payments

Rent is astronomical here; my mother and I pay $2750 / month for a 2 bedroom apartment

I have contacted several companies who "offer debt consolidation " or "help consolidate" but they actually want me to pay their fees for a "debt relief program "

Which requires 2 things

I ruin my excellent payment history because the program requires I STOP paying the payments...

then the banks do not get paid the full amount

I am not interested in cheating the banks out of the money that I used when I made charges…

I also do not want to ruin my credit payment history either

I need a helping hands… if someone, any amount , can help me, I would be eternally grateful

I am trying to find a part time job here where I live, but I have to be careful that I do not jeopardize my Social Security benefits, especially the medical insurance.

Thank you for any amount you contribute

Keith