Overdraft fees
Posted: Fri Dec 15, 2017 4:49 pm
I had to undergo back surgery with only a weeks’ notice at the beginning of May for a herniated disc and have been off work since. I work for 2 small companies so I had no access to Aflac, vacation time or anything like that. My husband works for a scrap yard and at the same time was cut to 32 hours a week for 5 weeks (all overtime had been cut the previous 2-3 months).
We have my two children as well as custody of my husband’s niece and nephew that we took in 3 years ago due to their father being in and out of their lives on drugs and their mom relapsing and seeking out treatment (which she has recovered, on her feet and trying to get her life back together though we will remain custodians of them for the foreseeable future).
It has been very rough to keep up with our bills. So we turned to Overdraft on our checking. As we are fighting shut off notices, our automatic payments that withdraw from our account constantly putting it in the negative and have paid over draft fees heavily every week. We are now $1000 negative in our account, my husband is only bring $430 home a week, our bills run about $3000/mo., we haven't qualified for food assistance through the state since last November due to my husband’s raise (and overtime at that time) so we lost $700/month for food.
It's been hard enough recovering from that even still with 4 kids and now losing around $1500-2500/month from my income. We have no way to pay this upcoming months’ rent of $575 (let alone other bills, utilities, etc.) and the local assistance programs can't help because we don't have an eviction notice. Our families have helped as much as they can and we've sold whatever we could including my wedding rings & anniversary band just to try to keep food on the table, gas in the vehicles to get to work and pay whatever bills we can.
My husband is a hardworking blue collar man who gave up being able to have children of his own to be with me due to my hysterectomy in 2008 from a blood clot that ran from my hip to my ankle causing a pulmonary embolism that almost killed me so it resulted in a hysterectomy. Instead, he raises 4 children from 2 other men which provide no support whatsoever to help. I'm former military that served from 1997-2012 and work two office jobs that allow me to have a flexible schedule for the kids’ sake when one is ill, has an appointment or needs anything. I'm to return to work next week but won't receive a paycheck until the middle of July and given that one company is a family owned landscaping company, they are only having me work 10-15 hours a week instead of my normal 25-30 and the other job 10-15 a week so even though I will be working, I'll be bring home less than half to half of what I was prior to the surgery.
I've called every company, organization, church and applied for every type of assistance that I can to no avail, or just relief on the fees. We're not asking for thousands of dollars only help to keep a roof over our children's head with functioning utilities, food in their bellies, vehicles to transport us to work and them to where they need to be that have working brakes (mine are going out) and to be able to have a few dollars in the bank so we can stop paying massive amounts of overdraft fees. We also don't expect one charity to do it all but we'd appreciate any assistance from anyone and fully believe in paying it forward.
We are and have always truthfully been the kind of people who will give someone our last dollar if they needed it more than we did. Even if we are not selected for help from your organization, we appreciate you taking the time to read this and at least consider our family. Thank you and God Bless.
We have my two children as well as custody of my husband’s niece and nephew that we took in 3 years ago due to their father being in and out of their lives on drugs and their mom relapsing and seeking out treatment (which she has recovered, on her feet and trying to get her life back together though we will remain custodians of them for the foreseeable future).
It has been very rough to keep up with our bills. So we turned to Overdraft on our checking. As we are fighting shut off notices, our automatic payments that withdraw from our account constantly putting it in the negative and have paid over draft fees heavily every week. We are now $1000 negative in our account, my husband is only bring $430 home a week, our bills run about $3000/mo., we haven't qualified for food assistance through the state since last November due to my husband’s raise (and overtime at that time) so we lost $700/month for food.
It's been hard enough recovering from that even still with 4 kids and now losing around $1500-2500/month from my income. We have no way to pay this upcoming months’ rent of $575 (let alone other bills, utilities, etc.) and the local assistance programs can't help because we don't have an eviction notice. Our families have helped as much as they can and we've sold whatever we could including my wedding rings & anniversary band just to try to keep food on the table, gas in the vehicles to get to work and pay whatever bills we can.
My husband is a hardworking blue collar man who gave up being able to have children of his own to be with me due to my hysterectomy in 2008 from a blood clot that ran from my hip to my ankle causing a pulmonary embolism that almost killed me so it resulted in a hysterectomy. Instead, he raises 4 children from 2 other men which provide no support whatsoever to help. I'm former military that served from 1997-2012 and work two office jobs that allow me to have a flexible schedule for the kids’ sake when one is ill, has an appointment or needs anything. I'm to return to work next week but won't receive a paycheck until the middle of July and given that one company is a family owned landscaping company, they are only having me work 10-15 hours a week instead of my normal 25-30 and the other job 10-15 a week so even though I will be working, I'll be bring home less than half to half of what I was prior to the surgery.
I've called every company, organization, church and applied for every type of assistance that I can to no avail, or just relief on the fees. We're not asking for thousands of dollars only help to keep a roof over our children's head with functioning utilities, food in their bellies, vehicles to transport us to work and them to where they need to be that have working brakes (mine are going out) and to be able to have a few dollars in the bank so we can stop paying massive amounts of overdraft fees. We also don't expect one charity to do it all but we'd appreciate any assistance from anyone and fully believe in paying it forward.
We are and have always truthfully been the kind of people who will give someone our last dollar if they needed it more than we did. Even if we are not selected for help from your organization, we appreciate you taking the time to read this and at least consider our family. Thank you and God Bless.