I am a good mother of six great kids. My husband has been hard working and self employed all his life except for two years. We, ourselves, have generously helped many people along the way. Many abused our generosity and we made ourselves vulnerable with our kindness. Only one or two success stories made it all worth while. For us now, it is really hard asking for help. Time is against us and there is no one to turn to. Neither my husband nor I have much family and friends are working hard to survive themselves. Those friends that have means say they would "love to help" but don't. It is no reflection on us. It is often those friends least able to help that are willing to sacrifice the most to help us.

The problem: My husband housed and hired a man who was down on his luck in the late ninties. After initially being a good worker, this man's conduct soon began to destroy my husbands business. So he was let go...with a bonus pay!!??...so he could have time to find another job. Well my husband had paid this man with cash. This man had problems with the IRS. So when he was let go he tried to get unemployment eventhough he knew that neither he nor my husband had ever paid into an unemployment fund for him. This man also shamefully betrayed my husband by notifiying the IRS that my husband had paid him cash. This mess created a notice of federal tax lien recorded just on my husband's good name alone in our county. This somehow attaches to whatever property he has in his name. This is enough to stop our ability to take care of ourselves.

The dilema and need: My husband pre-qualified for a loan on a building that was going for auction. He successfully won with the best bid. Turns out the bid is 35% under appraised value on the real estate. The problem is that the notice of federal tax lien filed on my husbands good name surfaced in the final stages of the loan application and has ruined all options for any lending. This after the closing of the auction. We have been selling every extra item we can find. We have dangerously wiped out all savings to cover our legal and financial obligations towards the auctioneer and the seller and are still falling short. Even the seller, understanding what happened to my husband with his loan application is willing to help some. 

My husband said he could deal with the IRS later and that it would take time. With the IRS, you are guilty until you prove your innocence. Because of the notice of tax lien, any other assets we have can not be used as collateral to secure any loans. The business my husband bid on is a small modest restaurant/bar that he and I and our kids are going to work very hard. My husband has combined efforts with a friend who loves restaurant work and is willing to help attempt a loan in his sole name to protect the business from the IRS. Our willing partner has no means of getting enough cash to make a difference. Eventhough we all have good credit, this attempt to buy this restaurant has made us cash poor. We are running out of time. We pray and are looking for every means to save our family's livelihood. We need help completeing the down payment and equiping nicely but modestly the kitchen and seating area.

Answer to our prayers: We are humbled to accept donations as we search for every means of assistance. My husband and I would rather accept loans from kind hearted people who will trust us on a divine inspired gut feeling. We can safely repay the amounts over the next five years and repay with interests as high as ten percent. If you chose to help us, please provide your address so we can set up a repayment plan.  Besides our hard work and determination, the equity in the real estate is all we need to have the business carry all the debt and be able to repay. 

The problem is that we are stuck with the auction price and finding the total downpayment until we get the deed in the business's or partner's name. Once the deed is out of the seller's name then we can use the appraised value and 35% equity for a refinance loan in our partner's name and have enough money for the equipment for the restaurant. This is how we know we can repay good people who want to help. We are not just asking for help. But help us to help ourselves get back on our feet. The need is urgent and any amount will help. We will return any excess donations.

Who are we?: We are freedom loving patriotic Americans. Our belief and life is Christian. We believe that this great nation was founded on Christian principals. We are not ashamed to profess and we live to help all our neighbors regardless of their beliefs. We live in farm country.

My husband and I are a team. Never a harsh word toward each other. We live with our hearts and try to make a difference in peoples' lives around us. Our home is a comfort to those that visit. We are honest and believe that it takes a lifetime to build character and just one day to lose it. We have suffered, been without, and overcame. We appreciate every day and God's blessings. We were taught that when we had surplus we should especially help others. We have felt the joy of giving over recieving. We remain confident that those who can help us in our hour of need will be blessed. We want to repay.

Please send donations to: Mary Crespo c/o PO Box 869, Burkesville Ky. 42717


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