u/One_Doubt3679

26, F. Illinois.

I’m looking for advice or at least some peace of mind because I’m extremely overwhelmed right now.

The last six months of my life have been a nonstop series of unfortunate events. I was part of a mass layoff and my termination date was suddenly moved up from the fall to just a week ago. In the winter I lost both my brother and my grandpa, and I put money I absolutely didn’t have toward funeral expenses.

Then I was T-boned and the car I had just bought - the one I put my entire savings into - was totaled. I’ve been relying on rideshare just to get around. Side note… I only spent all my savings on a newer car because my entire adult life I’ve owned lemons. I grew up poor and paid for college out of pocket, so cheap cars were all I could afford, and they constantly broke down. I finally tried to do something “right”… and then the accident happened.

My credit is bad (around 590). When I was 18, I didn’t know what I was doing and took out high‑interest loans to deal with car issues and life expenses, and sometimes couldn’t keep up. Since then, I’ve never really been able to get ahead. I’ve also been exhausted and flagged as unreliable by ALL of the income‑advance apps like Dave and Earnin. I don’t have a cosigner.

Now I’m $1,000 behind on April rent. On the 17th of each month (today) we get 5 day notices before the termination is filed. I emailed my property manager to ask if she would accept a partial payment - she said absolutely not. I then asked if I could pay the full amount on the 29th, when I receive my next severance payment. She replied saying my account will be sent to attorneys on April 21st, and that even if I pay on the 29th, I’d also have to pay attorney fees before she could pull it back. She said the fees start at $444.25.

I don’t know how accurate that is, but what I do know is that I absolutely cannot afford an eviction. My credit is already ruined, I don’t need an eviction record. And, court fees would destroy me.

My lease ends August 29th, and they already told me I’m not allowed to renew because I had a breast mass removed and a friend stayed with me for over two weeks to help care for me - apparently that counts as a lease violation.

I have no way to get this $1,000 before the 21st. I can’t do Instacart or DoorDash without a car. I can’t get a loan because of my credit and no cosigner. I can’t use money‑fronting apps. I don’t have family or friends I can borrow from. I feel completely trapped.

If anyone knows anything - whether this attorney fee timeline sounds right, or if there’s anything I can do to prevent an eviction, or even just reassurance - I’d really appreciate it. I’m genuinely scared and don’t know what my next step is.

26, F. Illinois.

I’m looking for advice or at least some peace of mind because I’m extremely overwhelmed right now.

The last six months of my life have been a nonstop series of unfortunate events. I was part of a mass layoff and my termination date was suddenly moved up from the fall to just a week ago. In the winter I lost both my brother and my grandpa, and I put money I absolutely didn’t have toward funeral expenses.

Then I was T-boned and the car I had just bought - the one I put my entire savings into - was totaled. I’ve been relying on rideshare just to get around. Side note… I only spent all my savings on a newer car because my entire adult life I’ve owned lemons. I grew up poor and paid for college out of pocket, so cheap cars were all I could afford, and they constantly broke down. I finally tried to do something “right”… and then the accident happened.

My credit is bad (around 590). When I was 18, I didn’t know what I was doing and took out high‑interest loans to deal with car issues and life expenses, and sometimes couldn’t keep up. Since then, I’ve never really been able to get ahead. I’ve also been exhausted and flagged as unreliable by ALL of the income‑advance apps like Dave and Earnin. I don’t have a cosigner.

Now I’m $1,000 behind on April rent. On the 17th of each month (today) we get 5 day notices before the termination is filed. I emailed my property manager to ask if she would accept a partial payment - she said absolutely not. I then asked if I could pay the full amount on the 29th, when I receive my next severance payment. She replied saying my account will be sent to attorneys on April 21st, and that even if I pay on the 29th, I’d also have to pay attorney fees before she could pull it back. She said the fees start at $444.25.

I don’t know how accurate that is, but what I do know is that I absolutely cannot afford an eviction. My credit is already ruined, I don’t need an eviction record. And, court fees would destroy me.

My lease ends August 29th, and they already told me I’m not allowed to renew because I had a breast mass removed and a friend stayed with me for over two weeks to help care for me - apparently that counts as a lease violation.

I have no way to get this $1,000 before the 21st. I can’t do Instacart or DoorDash without a car. I can’t get a loan because of my credit and no cosigner. I can’t use money‑fronting apps. I don’t have family or friends I can borrow from. I feel completely trapped.

If anyone knows anything - whether this attorney fee timeline sounds right, or if there’s anything I can do to prevent an eviction, or even just reassurance - I’d really appreciate it. I’m genuinely scared and don’t know what my next step is.

26, F. Illinois.

 

I’m looking for advice or at least some peace of mind because I’m extremely overwhelmed right now.

 

The last six months of my life have been a nonstop series of unfortunate events. I was part of a mass layoff and my termination date was suddenly moved up from the fall to just a week ago. In the winter I lost both my brother and my grandpa, and I put money I absolutely didn’t have toward funeral expenses.

 

Then I was T-boned and the car I had just bought - the one I put my entire savings into - was totaled. I’ve been relying on rideshare just to get around. Side note… I only spent all my savings on a newer car because my entire adult life I’ve owned lemons. I grew up poor and paid for college out of pocket, so cheap cars were all I could afford, and they constantly broke down. I finally tried to do something “right”… and then the accident happened.

 

My credit is bad (around 590). When I was 18, I didn’t know what I was doing and took out high‑interest loans to deal with car issues and life expenses, and sometimes couldn’t keep up. Since then, I’ve never really been able to get ahead. I’ve also been exhausted and flagged as unreliable by ALL of the income‑advance apps like Dave and Earnin. I don’t have a cosigner.

 

Now I’m $1,000 behind on April rent. On the 17th of each month (today) we get 5 day notices before the termination is filed. I emailed my property manager to ask if she would accept a partial payment - she said absolutely not. I then asked if I could pay the full amount on the 29th, when I receive my next severance payment. She replied saying my account will be sent to attorneys on April 21st, and that even if I pay on the 29th, I’d also have to pay attorney fees before she could pull it back. She said the fees start at $444.25.

 

I don’t know how accurate that is, but what I do know is that I absolutely cannot afford an eviction. My credit is already ruined, I don’t need an eviction record. And, court fees would destroy me.

 

My lease ends August 29th, and they already told me I’m not allowed to renew because I had a breast mass removed and a friend stayed with me for over two weeks to help care for me - apparently that counts as a lease violation.

 

I have no way to get this $1,000 before the 21st. I can’t do Instacart or DoorDash without a car. I can’t get a loan because of my credit and no cosigner. I can’t use money‑fronting apps. I don’t have family or friends I can borrow from. I feel completely trapped.

 

If anyone knows anything - whether this attorney fee timeline sounds right, or if there’s anything I can do to prevent an eviction, or even just reassurance - I’d really appreciate it. I’m genuinely scared and don’t know what my next step is.