Job loss, severe debt, serious anxiety, unable to focus and completely out of hope.

In continuation from my previous thread
-- http://christianchat.com/prayer-req...ribly-wrong-incurs-major-toll.html?highlight= --
I came off of temporary disability because I was offered a job position (paying the same amount as my primary / original job) and it was during the day shift where as my primary job was during the nights and was contracted only to be a night shift job. The reason I came off temporary disability was to avoid the possibility of insurance fraud, however; at that time I was still barely able to vocally speak and was not ready to really work but it didnt matter I could not pass this opportunity up.

The objective was to work BOTH jobs, my primary during the night, secondary during the day.. and a total of 80 hours per week which essentially doubled my income.

For the first time in my life I broke $100k a year and even at that level I was still financially completely outclassed.

My dental work is going to cost $75,000 and I can't get a loan for it.

I am stuck living with my family in a house of which Im tied to a lease in while my mother brought in 4 other family members who are NOT on the lease who are also not paying to live here and she intended to buy the house within a month of when we got it so I wasn't expecting to stay in the lease, I only cosigned to help her get it but I am unable to pay for this house on my own and she is always late on the payments and the only person the landlord comes after is me.. doesn't go to her because they know my mother wont do anything about it..

With both jobs I brought the house current, paid off over $800 in late fees, also paid for my mothers car notes which costed over $3,000 (she has 2 and both were deliquent) and I did this so she could QUALIFY to buy the house and take it off my hands so I can move and get off this lease... but instead she runs up the credit card on my dad's dental expenses (and we share that credit card) dropping MY credit score by ONE HUNDRED POINTS and SHE now no longer qualifies to buy the house.. ..meaning Im still stuck...I was busting my butt off working both jobs, I was only getting 2 - 3 hours of sleep per night at the maximum and still remained coharant but agitated that I was the only one denting our debts... and finally the worst happens.. One of my co-workers found out about my second job and jealously went STRAIGHT to upper management and told them about it... upper management found it as a conflict of interest and fired me..meaning Im down to half my income and I have no hope of paying for these dental expenses, this house, or moving...

I am really on the edge mentally..I have considered giving up several times and am struggling to find hope but everytime I make a move I end up going 3 steps back...

I have been praying, reading the bible.. but it just doesnt seem to matter and I am really tired.

You might be happier if you weren't such a victim in your eyes. We all go through things.
You blame everyone else.
Nobody made you do anything.
What's hidden always comes to the light so you wouldn't have had both jobs for ever anyway.
Seems you want to be an exception.
And people are unreliable. If you had to help your mother that much, then you knew it was risky.
As far as occupancy, tell that the others are there. Don't just whine

At least you're not married and supporting a wife. Finish the lease and then move out (alone). Get your name off the credit card that you share or otherwise you will be responsible for debt that you really didn't incur.

Realistically, you would not have been able to work two full time jobs for much longer anyways before you collapsed with exhaustion.

I also recommend that you file for bankruptcy.

There must be an organization somewhere that can help you to get your dental work.

Of course you're tired, both physically and mentally drained. Your family is running you into the ground and will continue to do so until you leave. You absolutely need a clean break from the parasites dragging you down.

With all due respect, its not exactly easy waking up with a cheery attitude looking at a mirror with a big smile finding half of your jaw literally missing, nor a single tooth in my mouth and constricted to a diet of food that I can swollow without chewing.

Nor is that really easy while realizing without a serious change in my finances it's probably going to remain that way for a very long time, if not...for the rest of my life...

and I blame it on someone else because it really was their fault..The dentist had no idea what he was doing and ruined my jaw and its going to cost ME $75k to fix it.. not exactly your average loss.

If I had a way to make $75k or forsight knowing that I could obtain that kind of money..sure..it would be much easier to deal with...

Also...

It's not like working two jobs was a risk / danger to anyone else but myself and it's not like I was asking anyone for financial assistance, I was willing to do everything necessary to recover from my debts on my own. My working two jobs was my own business, not my employers or anyone else's..

I can't get rid of the occupants who live here, its apart of the law in this state, they become tenants at will if they can prove that they have lived at the address even if they're not on the lease. The only one who can get rid of them now is the landlord and that will get EVERYONE put out including myself.

Working both jobs was very difficult.. but I would have managed until I was in a better place financially.
Yes, it was extremely exhausting, but I have managed working extreme hours several other times in my life before this.

I canceled the credit card once I found out she used it. As far as leaving, I've already tried before.. I have student loans that are killing my credit and most are deferred. I don't make enough money on my own to qualify and my credit is in shingles..although in repair as well.. bankruptcy will hurt me more than help me. Most mortgage companies frown upon seeing it and it will stay on my credit for the next 7 years. From my understanding it wont do anything toward my government loans (Student Loans). As for the lease, I'm stuck in it for the next year and a half.

As for the dental thing, I have already tried state grants and care credit, care credit will not approve me for the loan or anywhere close to the amount. I have also looked into leaving the country to have the work done and while somewhat cheaper, I still can't get around the financing issue.

Just accept it all, say I accept... and leave the rest to God. Bingo

You are in a horrible situation for sure. I will remember you in my prayers.

Our heavenly father hear our prayer lord please help him to find a way to solve his severe debts. Hear our cry lord. We cannot bear it anymore. Lord you lead our Israelites to go over the red sea,help him to cross over his severe debts, depression, Job sufferings. Father turn his sorrow into joy, In Jesus name i pray, amen.

Lord please bless TyrinDynasty, and this prayer request, yes Lord please bless and you be glorified,in Jesus Holy name, AMen!

we'd both live in a 'tent', even at our age, before living in any kind of circumstances
such as you have gotten yourself into...

we live very humbly and are debt free and have been for many, many, years -
and, we have had a multitude of events that we have gone through & dealt with,
but, we always learned and grew out of them, as The Holy Spirit has led us,
and it was our hearts true desire, after 'conversion' to live as our Saviour
began teaching us...not easy at first, by any means...

it's taking on those real-challenging-steps-of-Faith that can often be the most
demanding/often scary at first, but never un-fruitful, and always accompanied
by a new-found Joy as we see ourselves growing and maturing in Christ...
He is always Faithful if we are willing to put our Faith into action and
to submit/deny self and obey...

Thank you for your advice and I do not mean to come off as rude but there are some things that I'm not entirely sure what I feel about.

I won't lie to you and say that I'm the most humble christian. I'm not, however; I am vastly confused upon what you state about avoiding the debts that I am in. The vast of my debts extend from my dental work and also from my student loans. The student loans I could not avoid otherwise I would be completely unemployed at this point and trust me when I say, I desperately tried to avoid them until about 5 years after high school realizing I truly was not going anywhere without a degree.. I don't mean any offense by this, but in reality..I wasn't.. I was unemployed and the jobs I qualified for were simply too weak to make any kind of living on so I went to college, college wasn't cheap..and I might add..there was alot of prayer before I went upon that path.

My dental issues have costed me tens of thousands in the past and virtually went nowhere but it came to the point recently where something absolutely had to be done about it as it has been causing too many complications and infections. I stalled it off because the steep $80 - $90k price which I simply couldn't foot but it caused me more and more complications until I finally had to address it.

You have a good path, and I honor and respect that, however; I think you're going alittle to far if you're stating that I could have avoided some of these debts. Perhaps with my family... although I would have had to do something very radical in the matter of pretty much doing like you said, living in my car (and I have honestly considered this). I cannot afford a home on my own at this time nor could I before this point and the only time I stood a chance at that was when I was working two jobs. It isn't so much the house payments, its the qualifications to get one and they see my debt to income ratio is severely upside down.

TD,

we weren't even suggesting that you 'avoid' paying what you 'owe', quite the contrary,
we were saying that we would live in a TENT to 'cut-down' our expenses, and to
live in some kind of independence and reliance upon Jesus, for the peace that we all
so desperately need in order to 'move-forward'...

part of growing-up is learning from our mistakes and especially that we HAVE to make
drastic CHANGES in our lives, in order to be in God's Will...

you seem to have not been able to even comprehend the 'simplicity' in our message!
it is understandable in your situation, but let's pray that you can see a little more
clearly where others see you from reading your postings...
sometimes learning how to receive and see/hear is the most challenging of all...

you are in our prayers!

I understand. Thank you and sorry if I came off as rash Im just really frustrated.

Boy, I feel bad that I’m just seeing and responding to this post; I hope you’re still reading responses because I can sense that you are feeling desperate and hopeless.
I don’t have any quick solutions to this problem because, as you explained, it is very complicated and it sounds like unless God opens a door, it might just need to be waited out. He will open a door when he is ready to. Sometimes he doesn’t open it on purpose and it is for your benefit. And you can lean on him while waiting for him; he actually wants you to! Cry out to him and don’t hold back your frustrations.

You know what I liked reading about this problem? There is hope! There is an end already in sight! In one of your responses another commenter, you mentioned you’re stuck in that lease for another year and a half. It may seem like a long time to have to endure it…but this may be a test of faith. And you know it isn’t forever. You’re doing the right things by praying and reading.

I have been in many dark, bleak situations where it felt like I couldn’t even carry on for one more day of the unhappiness I felt. Eventually, God got me out of my hopeless mindset and helped me have faith and strength to hold on right where I was. He taught me to just sit in it. Remember, he does that for a reason: to mold us and keep us growing in strength and faith. Once you’ve grown just right from the situation, he will bless you and improve the situation. I hope you can see some light in that. I know it’s hard. I found a beautiful piece of art that I’ve hung in my home that says “Bloom where you are planted.” It’s a humbling reminder to keep the faith alive and find ways to grow upward and be the light as often as you can, no matter the situation.