Bankrupt

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Last year, I ranted about a series of incidents involving things breaking around the house one issue after another followed by our mailbox being destroyed, then we forgot 2 mortgage payments throughout the whole ordeal and then my mother's student loans came back. Now, our car needs new tires before the snow season.

We're dealing a debt of about between $50,000 and $90,000. We tried to get it all caught up but there is no way and they're getting impatient and the mortgage company is not offering any help. If it wasn't for my Social Security Disability and my younger brother's paycheck from his job, our income would be dried up. They took our tax refund, and they're eating up my parents' paychecks and mom's working overtime.

We're losing a battle here so now my parents declared bankruptcy. They want their money and we don't have it. I want to move out of this house. A family of five has outgrown it especially since it is a two sided house. We can't afford holiday presents for the family, hell, my parents can't afford presents for my brothers and me and I have a birthday before the holidays and I'm still haunted about how I lost $150 to fraud on the PlayStation Network because my youngest brother is too stupid to know not to share account info and he's done it 3-4 times (still saying free stuff is legit) and, before that, he annoyed me into lending him my card so he could buy mom and dad presents when they said they didn't need any, but does my youngest brother ever listen to reason? No, and I told him not overestimate what was on there since I don't keep track but he did anyway and that was an extra $400 for four gifts and I found there was only $15. That happened right after Thanksgiving.

Nothing gets any better. I'm just sitting here depressed and worried about what happens next. What more can life throw at me? I've always felt like negotiating with life is like playing cards with a mental patient with not even a shred of humanity left and I'm strapped to a chair handed twos while my "opponent" gets all the good cards like a cheater and when I reach for a good card, because I deserve to win for once, he lets out a shriek of a squeal and then jabs my hand staring at me with his creepypasta-ish hyper-realistic eyes and evil toothy smirk.

My great grandfather declared bankruptcy right before he died. I wonder if we can make it through this. I just can't handle another incident involving yet another layer of debt [sarc] because we so deserve ANOTHER LAYER OF DEBT!! ![/sarc]

I've struggled to understand how and why are we going through this but no logical explanation comes up other than just plain bad luck. It feels like this involves more than just bad luck. Are we cursed? Are we being punished? This is why I don't believe in anything because the answers to these dire questions are so elusive in my time of need.

Sorry to hear of you and your family's struggles. In recovery groups they often say "this too will pass" but I can see how after a solid year of everything being so down that up might as well be on the sun - I've had several winters oh discontent myself and recently they seem to come closer together but as long as you can endure 1 moment at a time and string those good moments together you can get through it. It also helps to have things in your routine that build a strong foundation - fulfill your physical, intellectual, mental, emotional and spiritual needs on a steady basis, and do a random act of kindness toward a stranger...starting after you make a list of people and things you are grateful for. My aim is to be motivational here, not preachy