Marissa's New Start

Hey everyone, if you don't know me, my name is Marissa. I am 25, I work as the Co-teacher in a Toddler classroom. Right now, I am struggling to make ends meet pay after pay and that has caused many things to fall off my radar. I have been so focused on paying off my apartment that my mother was staying in that I let other bills fall off. One of these being my car. As of 8/16/2024, my car is in active repossession. This is my only way to work, as I work an hour away from home. If I lose my car, I will most likely lose my job.

This is a hard ask for me, I am not one to accept help easily. But when I break this all down in my head one thing stands, my twin girls.

This is another part of my story, I have suffered from Post Partum Anxiety, Depression, and Psychosis. With this, I lost full custody of my girls. Me getting this car in October of 2023 was step one to getting visitation rights with my girls. I was able to maintain payments but I have been from job to job in the last year its been hard.

That being said, I am 3 months behind on my car as well as 2 months behind on my car insurance. This current job I have has been integral to getting myself back on track as it has allowed me to pay several bills.

I no longer have the apartment to worry about as the rest of the amount owed has gone to collections. My main focus is my car. If I can get back on track there, I would not need to continue with the repo or even my bankruptcy. I could move on to starting debt relief programs for my other debts and I could finally see my girls again.

Thank you for listening to my story and your consideration.

UPDATE 8/23/2024

I am now using legal help to go for chapter 7 bankruptcy. it's my best option and it's going to be my new start that I need. everything that has happened to me over these past few years will be erased. I'll be able to use what I learned and do better this time. for those of you who have donated. thank you. for those of you who have shared. thank you. for those of you who reached out. thank you. and even those of you who considered any of this, thank you! you guys are giving me hope!