Hello everyone who is reading this. I have come into a recent hardship that was unexpected. I've been trying to correct it on my own and trying everything I can first. I'm even at the moment trying to sell everything that I can, work for every bit I can to get the money. However, time isn't on my side.

As of Nov 5th, my only means of transportation for primarily work, the only place I get my income from, was repo'd from me. It wasn't because I couldn't make payments. That was not the issue. The issue came about when my insurance for the vehicle had lapsed. Unknown to me, my lender for the truck added their own insurance, which was nearly $400 extra a month! So even though I would pay automatically the original payment, it wasn't enough to count for the month. After two months, they are allowed to come get it, which they did.

Now I am struggling to make sure I get to work on time and keep my income steady. So I am asking for help, which has been clawing at the back of my head all this time. Once I get my truck back, I have a few plans and things to set in place to make sure this doesn't happen again. Between selling things and adjusting some lifestyle changes, I can pay off the rest I owe quicker. Thank you all for your time.