H's Urgent Car Loan & Credit Fund

(I appreciate everyone who has taken the time to click on my fund and read what I have to say, so thank you in advance!)

TLDR: I’m H, and for 8+ years, I have taken on an insane amount of debt to support my family and our dying family business, with no indication that things will get better after so many years already. Along with this, many years of manipulation have led me to move in with a friend a few weeks ago as I do not feel physically safe living with my family anymore. My family is now keeping my items hostage until I find a place of my own, with one member threatening to destroy everything I own if I ‘step out of line.’ I currently only make around $2300 at my job. I have a car loan that costs $1180 monthly, with $12,986 remaining. I also have $12,100 worth of credit/overdraft that I've used to support my family over the years, with nothing left now. I have made this fund to ask for support paying off this car loan + my credit/overdraft debt, with any extra funds being saved towards finding a place to live. Minimally, I am hoping to raise at least $13,000 if possible. Time is not on my side right now, so any and all shares/donations are greatly appreciated.

1 US dollar is usually around 1.3 or 1.4 CA dollars, so any small amount will help immensely! Thank you!

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Hi friends,

I'm H (they/she, 25) and I am asking for help in this current chapter of my life right now.

Since I turned 18, I've taken on over $100,000 of debt/loans to try and support my family for the past 8 years. A dying family business has kept us collectively wrapped up in so much debt with no fruit to bear for over a decade. It even reached a point that I maxed out my student loans and could no longer finish my degree because I sent most of that loan money to my family for the business.

A few years ago, I even made a gofundme for my family when things were at its worst during lockdown. My online community rallied together to raise over $10,000 at the time, but it still wasn’t enough. None of these are things I regret doing at the time, but despite drowning for so long, my family's only solution is to just keep taking on more debt to deal with the short-term every time with no end in sight.

Financial problems aside, years of interpersonal issues, emotional manipulation, & some physical fights in the last few months led me to pack a few suitcases & move in with a friend as of a few weeks ago. I haven't felt safe in that house for a long time now, and my mental and physical health have deteriorated so fast and in so many ways that I didn’t know that they could.

Although it was previously agreed upon that I would get the remainder of my stuff over the next month or two, my family has now told me that I am not allowed to get the rest of my belongings unless I am renting a place by myself. Along with that, I am not allowed to enter the house unless I am specifically requested to be there by them.

My sibling has separately threatened me that if I do anything to 'make things worse,' they will gladly burn and destroy all of my belongings without a second thought. They have torn apart my room multiple times before, so I know that this threat is real.

With all of this in mind, the biggest priority for me right now is paying off a car loan that I signed for the business. I have already been denied getting payments deferred, so I have no option other than to keep paying it now. It has a biweekly payment of $590 ($1180 monthly) and with roughly $12,986 left, it is due to be fully paid off in January 2026.

The next priority is paying off my credit cards & overdraft. All of my cards are near maxed or have been completely maxed out for almost two years now. If I ever paid them off in some capacity, it was just to use that newly available credit right away again for business expenses.

My credit score is also tanking as I’ve applied for multiple personal loans over these past few months to support my family. (I didn’t even get approved for any of them because of my declining score anyways.)

My credit card debt totals to $9000 and my overdraft debt is $3100, equalling $12,100 altogether. With the car loan included, I have around $25,000 worth of debt I need help dealing with in the short-term.

Currently, I only make around $2300 per month. I have other monthly loans/bills/debts that I pay for on top of these two, but these are the main priority. Because of all of these expenses, saving any money for myself (much less finding a place to live) is not viable for me. Along with the threat of my belongings being destroyed if I do something my family doesn’t ‘like,' time is not on my side right now.

With everything said and done, I am making this gofundme with a goal of $30,000. At minimum, receiving $13,000 to help pay off my car loan would be the greatest blessing in this world. If that is possible, then I can deal with my credit card debt slowly but surely.

However, I will still ask for any help that I could also receive for that as well, making my next goal a total of $25,000. Anything beyond that would be put in my savings to be used towards finding a place to live for myself, as well as an emergency fund.

For everyone who has kept reading up until this point, I don’t have enough words to express my appreciation. At this point in my life, it truly feels like I am starting all over again. The way that I have grown up and lived has honestly left me unequipped to deal with a lot of things on my own. I can only hope that making this decision to be without my family’s influence directly on me will only lead to something better and that I can continue paying it forward in the future.

That’s all I can really say for now, so thanks again for listening, friends!

Love, H