So,

I’ve wrestled with this for the last several days.  Im absolutely mortitified to be honest.  I, well, the kids and I need some help and we need it QUICK.  I have to somehow come up with 6 grand by next Wed or we are gonna wind up sleeping in my SUV in the middle of the Winter. The place we’ve been renting for the last two years, the guy REALLY wants to sell it since he got a job transfer to Virginia.

  Anyway, Im maybe two months away from being able to actually BUY a house for the first time in my life. But with all the rain and holidays in December, I’ve fallen behind on the rent. My paycheck this week was for 157.00 bucks.  That doesnt even cover groceries for the week these days.   Anyway, the owner has already said he’s willing to work with me, but he also did file eviction papers ( he told me he was going to) but would withdrawl them if I got current before the hearing.  Monday the 8th is the last day I have to call the Magistrate Court and request a hearing, which will only delay things by a few days.

I’ve contacted literally EVERY charitable organization in the area and NONE of them are able to help.  They are out of funds and or have mile long waiting lists.  I check all the real estate sites every other day and there are a grand total of FIVE rentals available in the area, all MORE than what Im paying now, and of course all would want significant security deposits, which I also dont have.

I’ve cut expenses to the bone in every area I can as well as sold off a bunch of stuff just trying to stay above water to this point.
CJ has some pretty intense emotional issues that he’s seeing a counselor for on a weekly basis, all stemming from when his momma took off when he was little, and growing up without a Mom, and he’s struggling to pass 8th grade this year. Im desperately trying to minimize adding to his issues with even more trauma if we wind up homeless, even temporarily.

Florida had finally caught up with my ex and was I actually getting regular child support payments for the month of December for the first time in almost a decade.  She currently owes me over 44 grand in back support.  But now through a trusted source I just found out she’s no longer working, so thats stopped as well.

Once I can go to closing on buying a place, things will be much easier.  I’ve run the numbers with my realtor and broker multiple times and it always winds up being several hundred a month cheaper to own as opposed to rent. Plus by the time we actually get to closing at the end of Feb or beginning of March I will have my tax refund for the year in hand and we will be starting to ramp back up at work and I’ll get back to my normal routine of 50 to 55 hours a week and bringing home over 1k a week in my paycheck.

I even reached out to some of my old FireFighting buddies at former stations and they cant do any fundraisers for such a scenario because they are worried that it will open the flood gates of other people making similar requests. At least thats what Im being told anyway.

I havent been in this dark a place since me and the ex broke up after nearly 14 years and I suddenly found myself coming home to an empty house.

If it turns out there’s anything at all you can do, Im more than willing to look at a HELOC as soon as its feasible in order to repay.

I REALLY appreciate just being able to send you this and let you know whats going on. Im keeping this off my Facebook page because I know the ex or someone we both know stalks it and I really dont need her finding out and then trying to use it to start up fighting for where CJ will live.