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Debt.
Today was the first time i thought about suicide. I have never been the type of person to spiral like this. But it seems my time has come. I recieved a check from a kijiji job posting and i cashed it and continued on my way. Waiting for the person to tell me where the job was. Well i just found out it was fraud and i now have to pay back 4000$ in two weeks. I do not have a job, and it will be impossible for me to pay this back. My account has been frozen. I cannot pay my rent or for food or anything until I pay back this full amount. I am so lost and alone and i have been crying for 3 days straight unable to think of what to do. I have no family and I live in a city where I dont no anyone. I feel like i should just end it because my life will never be livable again.
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-So your line of thinking is that there are no other options in your situation but suicide? If that were the case, there would never be any homeless people in this world because they ALL would commit suicide to avoid being in debt, not having access to any money, not having a job, not having any food and no warm place to sleep at night. I can guarantee you that the amount of homeless are alive and growing in numbers, not commiting suicide. Suicide is where people turn when they feel there is no hope left. But it is not a good option. I am living out of my vehicle and am full of joy for life. It really is about our mind set regarding our situation. I want better than I have but its going to be a long hard road and I am willing to travel that road.
For you, if you really feel you're ready to commit suicide, call 911.
If this is your cry for help, then hears something you might try.
All cities now have some sort of programs to help people with low or no income to make rent, pay electricity until you can find work. If not working, no matter what you owe, any amount of money owed, can not be taken from where you have no income. If I were you, since this was a fraud and banks have to face fraudulent deals all the time, they can't expect the people who were unknowingly scammed to pay it back, they have something to cover losses, or more to the point, My bank has not come after me when someone used my debit card number, illegally obtained to order things on line and I contested all those purchases. They go after the person who did wrong, not the bank customer who was innocent. You may want to talk to a lawyer who is willing to do pro bono (free unless there is a case to win) As to not having access to money right now, there is funding to help people in your situation to pay basic need bills. Most city systems are not well organized as far as this goes but the fastest way to find out where to turn might be to check with the following religious based help services out there, Catholic Community Services (CCS), Salvation Army, and St. Vincent de Paul. Just look on line for their offices in your area by city or by county in state. They donate lots of their time and funding to food programs where you go to get a hot meal, sack lunches, listing of area food banks for you to go to and then there is always Dept of Social and Health Services that issues food stamps. If you have no job, then you qualify and they will issue a food card the day of your interview. Its not that hard to deal. As for funds to pay rent, these organizations help with that too and also have listings of several places you can go to and file for some of that grant money to help pay rent and as far as I know, thats not just one month but if your situation hasn't changed, you can continue to do this month after month.
Worst case scenerio, is if you cant attract a lawyer to help you with the fraud thing, or if you dont have a case, then yes, once you get a job, you'll have the bank coming after you for that money. Don't listen to their scare tactic of wanting it back in 2 weeks. the reality is, even someone with a good paying job would find it hard to pay them a chunk like that in 2 weeks time. It is unrealistic. So don't worry about that threat. You can always go the route of filing for bankruptcy in which you will be sat down with the bankruptcy people who look at what your income is from your new job, the bills you're behind on and owe like credit cards, school loans and such, and they come up with a reasonable payment plan that all companies involved agree to receive monthly from you. I know this as I have done this in the past. Say you have a Nordstrom card and owe $500. They work out a deal for you to make steady payments of a smaller amount than the $97. payments on your bill. Perhaps if theres not enough money to spread around to cover paying larger amounts it could be really small, $20. payments until paid off. Of course, you'd have no use of that card anymore, this is just a pay off plan and I would assume that a $4000. fraud debt. would apply as well as any other monies owed to ones bank. YOu might want to do a preliminary talk with Bankruptcy debt collection agency before you even find a job so you'll know what to expect. I wish you the best.
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