Help Meredith Recover and Provide for Her Family

Hi I’m Meredith

I’m usually a super independent high energy person who loves helping others and giving back to my clients and community as a loan officer and avid theatre patron and volunteer. However this last year has hit me hard. In jan I found out I was expecting a baby boy and was working for a company that drained my mental sanity of hope and the stress was taking its toll on me physically and mentally so I chose to go back to a former employer in May who treated me better. By this time I was already having issues with my gall bladder and the pregnancy was harder than the others I’ve experienced but I was still determined to work hard and make it through. I became more ill in July and was hospitalized for 4 days where they decided at 7.5 mo pregnant they would remove my gallbladder this taking me away from work but helping relieve some of the pain I’d been having since April.

At this time HR had advised me of my short term disability plan and that I would be eligible to recieve funds while I was off for my pregnancy in October and advised I could go ahead and start the paperwork so they could get everything ready for me and I wouldn’t have to stress. Unfortunately bc they advised of this I took their word and didn’t work as hard as I was previously as I took it as a sign my health was more important than work for once in my life. So instead of focusing on getting more loans I focused on feeling better and preparing for my new baby.

right before I went to have him however I was informed my short term disability request was being denied by the insurance provider due to “pre existing condition” of preganancy. Not something HR had advised would happen, not something my family was prepared for so I appealed and hoped for the best and tried to get as much in pipeline for my job before I left to have the baby as I could with the promise my supervisors would get the loans closed for me (I am only commission at my job) however we are one month into my maternity leave, still no approval or hope for it and I’ve had to use all my savings and 401k to support my family in October for bills leaving us with nothing to pay our bills for Nov and Dec as I will not be able to return to work until Dec due to c-section healing requiring 8 weeks off. And of course loans take 30+ days to close after that, I’m stressed and at the end of my rope hoping to get a little relief from those who know I hate asking for help but I can’t allow my kids to starve or my family to go without a roof over their heads.

that along with the medical bills we have encountered over the last 9 months are just causing us to drown right now. I hate that the stress of this is weighing on me so much and I’ve turned to prayer over the last few weeks until today when I decided to ask for help. Anything that you would be willing to help us with would be greatly appreciated and if you prefer to apply for a loan and have my employer finance us by closing it while I’m off, that also is appreciated. I hate asking but I also don’t know what more to do if the funds just are not there.

please feel free to reach out and ask questions if you wish I am learning to be more open and humble myself as I ask for help.

this couldn’t have come at a worse time for a lender as rates increased over the last year and are just now coming down enough to make a difference

please find it in your heart to help us survive until I can get back on my feet

God Bless,

Meredith