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Help me be NOT poor.

Monday, September 28, 2015

Less Bad Is Not Good

Things are not as bad as they were a month ago. I now have a job that I'm training for. My car has a new battery, a new right outer tie rod, and via a Hyundai recall, a new subframe.

So things certainly aren't as dire.

Through an uncomfortable amount of solicitation, I was fortunate enough to raise gas money to get me to work until I get paid. I also found out on day one, that HR was wrong and my 1st pay will be on October 9th, not October 16th. I also learned that I get an attendance bonus, paid quarterly.

So that's certainly not a bad thing.  Yes, things are better, but they aren't good.

Currently, I commute about 73 miles a day for work, which is too much gas and too much wear and tear on an already worn car. My brakes are fading. I have no savings.

I really want to get an apartment. I'm homeless still, but couch surfing in my sister's basement, so it could be worse...

And this is the frustration. Some people stepped up big and donated so I could have gas money to get to work, but when I tried to raise some money to be able to get an apartment sooner rather than later, it has been virtual crickets with a couple exceptions.

Things are better, but they aren't good.

I'm still in training for a few more weeks. After the training period is over, I'll be eligible to work overtime. Overtime is what I really need, and it would be great if I had an apartment to come home to with a shorter commute to make all the overtime of a peak season for this job(call center) more bearable. Also, if I have an apartment by the time training is done, I'll have more time to work more overtime.

I would love to get some donations toward getting an apartment, which I would combine with my 1st check.

If you wish to help me get a place to live sooner rather than later, just click the link on my Twitter profile or click here: I promise you I'm not some scammer, just a guy trying to climb out of the cellar, find a place to live, and reunite with my cat, Ms. Teschmacher. 

Tuesday, September 15, 2015

Fear The Walking Zombie Debt.

Any Ohio licensed JD's able to help out with something?  

I'm dealing with Zombie Debt & the creditor handling the summary judgement, National Check Bureau c/o David Bader, is draining my bank account slowly and sporadically, allowing interest and whatever fees he can dream up, to accumulate.

In 2010, this creditor(person who bought my debt) started taking money out of my bank account.  I was able to talk to them and explain that I was in a pretty bad shape, financially, and asked if they could  give some breathing room. I may have agreed to make payments, which never happened, either because I didn't have it or because it slipped my mind completely.

Obviously, I bare some responsibility here, much in the same way that the guy trying to talk the meter maid into 'letting it slide' failed to get back to his car on time. Except, I will say that this firm bought bad debt, they weren't trying to collect money they lent me personally. Inherently, there is a touch of douchebaggery baked into their business model, that is, to exploit the financial shortcomings of others while charging interest and fees.

They probably bought my debt for a few hundred dollars at most, but attempted to collect the full amount of the original debt. I guess, it's lucrative work if you lack all empathy and soul.

In early June(5 years later, I checked my bank account and discovered that $102.55 had been withdrawn by this lawyer and National Check Bureau. It was his bank garnishment in June that led me to leave my apartment. I no longer had the rent.  I'm starting a new job and will be saving to get a place to live, and I'm afraid that he'll swoop in just when I have enough money saved and drain my account. Every time he does this, the court charges $50, which gets added to the 'fees' I have to pay.  I barely have the gas money I need to commute until I get my first check. Imagine if the gas/food money I sorely need is stripped away?

If anyone can, please donate. That money is safe in my PayPal until I need to withdraw it.  If anyone is or knows a lawyer licensed in Ohio that is willing to contact these guys on my behalf and get them to back off or set up some other arrangements, it would be greatly appreciated.

Thursday, September 10, 2015


Since I last posted, I have more details about my car, my plight, and possibly, a little flicker of light at the end of the tunnel.

1st - Car

As I already tweeted, it wasn't my starter, it was the battery. I got a battery & some much needed 5W-30 at Autozone, dipping into my commute funds by $130.

So it's good to know my starter isn't actually going out, but devastating that I spent well over half of my gas/food to last until 1st check money on a battery.


I signed my new hire paperwork today and got my training schedule. I have an orientation day on the 18th and the 1st full day is the next Tuesday. Training at this ace is Tuesday thru Saturday for 4 weeks.

Bad news.

This job pays biweekly, which is fairly common in customer service.  The bad part is that my 1st check won't be until October 16th, a month and 4 days from now.

Without help, I won't make it to my 1st pay.

Any help is appreciated.  Tweet this link to others who can donate if you cannot.  If you don't want to donate money, because you think I'm some sort of cracked out schemer, then maybe you could send a prepaid gas card... If you would like to mail something like that, just DM me on Twitter and I'll give you an address to send it to. Please note that I didn't say my address, because I'm technically homeless.

Tuesday, September 8, 2015


Good news: I have a job offer for the Columbus call center job and I'm supposed to sign paperwork Thursday.

Bad News: I think the starter in my 2001 Hyundai Sonata finally died today and the car won't start.

I don't really have enough gas $ to get back and forth to the new job until I get my 1st paycheck, let alone $ to get a new starter put in.

If I can't get this car started, I can't get up to Columbus, and even if I get up there somehow, I have no reliable transportation to get to the new job.

I really need money to get a starter put in that rusty car. This isn't some scheme. I assure you the damn car is dead at the moment. My dad said to try jump starting it, and maybe then I can get it up to Columbus, but I have no idea if that's gonna work.

This is the reality of poverty. No savings and any small setback can derail an opportunity.

I really need help & I'm running out of ppl to ask.