My name is J. I’m asking for help because I’m in a very difficult place and facing the terrifying possibility of losing my home—one of the most meaningful things my mom left behind.

In 2016, I lost my mom in a tragic and completely unexpected accident. She was killed when a beach umbrella was picked up by the wind and struck her—something so surreal and sudden that it still feels impossible. I was only 22 at the time, still living with her, and completely unprepared to navigate the world alone. Her death shattered my world.

If you’d like to know more, her passing was covered by local and national news at the time:

https://www.wtvr.com/2016/06/09/lottie-belk-beach-umbrella-death

After she passed, I inherited her home. I was grieving, overwhelmed, and had no real-life experience managing a household. I tried my best, but between trauma, emotional instability, and living with disabilities that affect my ability to work consistently, I fell behind on bills. I eventually lost my job, and things began to unravel.

As of April 6, 2025, my mortgage is 340 days past due, with a balance of $8,839.13. I’ve been doing everything I can—working with the mortgage company, applying for loan modifications—but the process is slow. If this latest application is denied, I’m facing foreclosure.

This home isn’t just a roof over my head. It’s where my mom raised me. It’s full of the memories we made and the life she built. It’s where I still feel her presence. Losing it would mean losing a part of her legacy—and the future she hoped I’d have.

I’m asking for $10,000 to bring the mortgage current, cover utilities, and give myself a bit of breathing room while I continue working toward stability. I’ll be sharing updates and posting proof of need along the way. I’m deeply grateful for any support you can give—whether that’s a donation or simply sharing the link.

Every contribution, share, or word of encouragement means more than I can say. Thank you for reading my story, and for helping me hold onto this home—and the love and legacy my mom left behind.