Help Joy's Family Overcome Debt

My family is in need of a miracle. The miracle to begin again, to start fresh, and to get a second chance at life. Thank you for reading our story -

Our debts started many years ago with our school debts. Then eventually there was a small car debt, and a few small things here and there. Nothing that we weren't able to manage or work towards paying off. Which is what we did early in our marriage - we made a point to always pay off a little more than the minimum payments. To just keep chipping away.

But like so many, the pandemic unfortunately brought us extreme financial hardship. My husband's company cut his salary by 50% for almost 2 years. A change that became devastating for our family.

We quickly spent through our very small emergency funds, found things that we could sell, and we began using our charge cards for basic need purchases - diapers, groceries, gas, etc. . .to cover the extreme loss in salary.

We've worked very hard to cut our expenses, and we've done what we can to try and stay afloat - donating plasma, working online positions at night when our children are sleeping, trying to sell digital products and even selling t-shirts at a roadside stand.

We desperately want to correct our financial situation, and we have been striving to do it on our own. But in the last year, the minimums on our credit cards have become so high that we needed to take out a loan to just pay our monthly bills. And then we eventually needed to take out another loan to help make payments on the first loan. Our financial situation has gotten out of control incredibly fast.

Most mornings I wake up with a pit in my stomach and tears in my eyes - how will we pay our bills, buy groceries, afford diapers, etc. . .Questions that I never imagined I would be asking myself. So we are asking for your help. Help from a stranger to help us get back on track, pay off our debts, and give us a second chance at life. Thank you!