07 Jan 04 -- Three years and one month ago, my life was great. My husband (fiancé at that time) and I both had great paying jobs, working together at a major US airline making very good money. All of our bills were paid on time and I was even paying our house payment a month ahead of schedule.
	Two weeks before Christmas that year, I was fired from my job because I missed too many days of work due to illness. Life since then has been difficult for both of us: depression for me over losing my job, repeated visits to doctors for my problems with my reproductive system, doctor bills since I lost my health insurance when I lost my job, the stress of planning our wedding knowing we didn’t have the money to spend on it, the loss of my husband’s job after the tragedy in September of 2001, extreme pay cuts when we each finally found jobs and more.
	I was managing a neighborhood bar for nearly 8 months. I met a lot of great people while I worked there, but the co-manager was a real jerk. He made my life and my husband’s a living hell on a daily basis. I finally had enough of his bad attitude and quit a month ago. Before I quit though, I became really good friends with one of the guys that ran the karaoke shows there. One night after we closed the bar, he and I were talking. He said he and his family were about to lose their apartment. I told him not to worry. I would talk to my husband, but we had plenty of room for him, his wife, their 2 kids and the baby that was on the way at our house. They’ve been living with us for a couple months now and it’s working out really well. They’re saving money to be able to get their own place when the baby comes in March. The problem now is my husband and I are about to lose our house because of our previous financial problems. Even though our financial situation is better now, we got so far behind with our bills, I come to you to ask for any assistance you may be able to give us. We would greatfully accept any donations you would like to make, but we would really like to arrange a loan for any or all of the following situations.
	Scenario #1: Since our house payment couldn’t be paid every month, in full, on time, the mortgage company has started the foreclosure process. We thought we could get enough money together to get the loan reinstated, but we’re down to the wire and we’ve been unsuccessful to this point. We would like to request a loan of $60,000 to get us out of the foreclosure process, pay off all of our credit cards, pay off the back taxes, and consolidate all of our payments into one monthly bill. Of course, we would like favorable terms, but we’re willing to accept almost any terms at this point. We’re desperate to get this loan as soon as possible, preferably within the next week to 10 days.
	Scenario #2: One of the vehicles we’ve chosen to achieve our financial independence (hopefully in the near future) is real estate investing. The problem here is that we don’t have the money to invest right now. We’re trying to buy my husband’s childhood home from his dad. For the past year and a half, we have been managing it as a rental property for his dad, but we would like it to be our own. The house is worth $120,000. We receive approximately $800 per month from Section 8 housing on about the third of the month like clockwork. In order to buy this house, we need a loan of $105,000. Again, we would like to settle this as soon as possible, but this situation isn’t quite as dire as the first scenario.
	Scenario #3: This situation is the least of our worries, but we still hope someone is willing to help us with it. Since I’m currently, not working outside the home, I’m selling items (primarily sports cards, sports memorabilia, and anything we don’t need for survival around the house) on eBay.com (user ID maoneal614). Business is going well, but I have already outgrown my office. We have a huge unfinished basement that we would like to finish and turn into our new office with a photography area, storage space for the large inventory, and packaging & shipping areas, as well as space for desks and computers for everyone in the house. With the newly designed space, I will be able to streamline the entire sales process, keeping my customers happier and sales more profitable. For this project, we would like to request a loan of $20,000. This is not a dire situation, but we would like to begin construction soon.
	We thank you for taking the time to read through this. If you can help us with any or all of these situations, we would greatly appreciate it.

Member #MA3EW2

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