Have you ever lost everything?

I’ve never been in your situation but when I was just a baby my parents were in your situation. Dad was laid off and credit card debt piled up and they had nothing but 2 babies and a mortgage.

They did what levdrakon suggested - joined a church. A Lutheran church, fwiw. We’re still loyal to that church almost 30 years later because whatever they did to help was important enough to always remember. I also agree that mega-churches might not be the best step for this - a small “major sect” church (Catholic, Lutheran, Methodist, etc) might be your ticket.

Also don’t forget that pride isn’t going to pay your bills. All soup kitchens are welcoming to anyone who needs to eat. They are not going to ask to see your bank statements before you are allowed to share a meal. If you have $20 and need to decide between paying the electric company and eating food, pay the electric company and go eat at a soup kitchen and pick up a bag of groceries from their pantry to take home. No one there is going to judge you.

Kind of. I had a pretty good job but quit my work there to go freelance and failed miserably at that endeavor. I went from making about $30K/year (not great money, but okay for a 21 year old) to making $8,000 the next year, $2,200 the year after that, and my final year of freelancing, made $0 (I just checked out all my old filed taxes in doing them this year). It was during this year that I survived by selling all my belongings, including old comic books I’d collected, stereo equipment, computers, furniture, and even did some dumpster diving so I could find stuff to sell on eBay in other people’s garbage.

I took a part time job at an art gallery framing pictures for $7.50 an hour just to pay rent. Then I stumbled into a job selling cell phones which I hated, but actually it paid pretty well. I’d collected almost $20,000 in credit card debt during this time, and because of the cell phone gig was able to start paying that back. After about 8 months there, I was finally able to get back into web development, the career I’d left so long ago to do the freelance thing.

I’ve been doing this for 4 years now, and I bought a nice car, a nice house, and my debt is finally, FINALLY paid off. I’m 28 now and feeling pretty good about where I sit.

I’m also considering quitting my cushy job to try my hand at freelancing or starting my own business again. I must be insane.

Of course you did. A person cannot go through something like that and not be changed. Your growth is what helped you to survive.

I’ve never lost everything, but I came really close. I was out of work for 15 months, my benefits had long since run out, and no one cared in the least about even pretending to read my resume. My apartment building got a new owner, and he jacked the rent by 150%, and had issued me an eviction notice “as a formality.” If the worst came, there were people I could have stayed with, but I really didn’t want it to come to that.

With three weeks left before homelessness, I found a job and an apartment – on the same day. That was a good day.

Faruiza and BrownEyedGirl, you will both get through this. Just look at it as an opportunity for self growth.

You guys are pretty good eggs. BrownEyedGirl, it sounds like you have quite the right attitude. It may not be much, but I’m proud of you for that.
I was thinking about some of your stories. Hair raising. Doing this with kids? Hell no way. I’m not doing well at functioning for myself, and can’t imagine trying to support a little person who doesn’t understand what’s going on at all.
Apparently, my husband went around looking for some rental places to move to and found something pretty good that’s only two blocks away. Now all I have to do is convince the people who own it that we’re decent people even if we don’t look like it on paper. The other thing we did today is contact a lawyer. The general contractor who is largely responsible for putting us in this position is going to deal with whatever fire and brimstone we can legally rain down upon them, and it turns out we may have a suit against the city the work was done for as well. Those two things are pretty significant, and it’s helping me not cry all day. I may actually want to eat something.
I think the thing that scares me the most is that I’m 35 and have nothing. Best case scenario is that I’ll be 45 before it’s behind me, and that’s overwhelming.
I’m sure that sounds a little stupid, maybe narrow minded, and a little petty, but like I said, it’s all I can do to have a coherent thought from start to finish.
Oh yeah, and FUCK self growth! I don’t wanna grow! <kicking and screaming> I wanna go to Vegas and have a good time! Growth schmowth! Personal growth is overrated! :smiley:

That really sucks Faruiza. The only thing I can recommend is to just keep on talking. Talk to everyone and anyone who will listen and care. You’ll get through this!

Also, what’s your business? Is there any way us Dopers can help it along?

Keep your chin up, Faruiza. I don’t have any better advice than what’s been offered, but I wish you all the best. It will get better.

Yes, I’ve lost everything.

When I got divorced, I was mentally unwell. I had just attempted suicide a couple of months earlier. My husband convinced me that I should let him have everything because if I took anything, then the cat’s wouldn’t have their home. So I left with pretty much the clothes on my back and my lovely old dog. She died 3 weeks later.

I moved in with my parents and spent the first year sleeping. Year two I spent recovering and deciding what I wanted to do with my life. Year three ( last year) I went to college and got a small office position and three weeks ago I started a really great job that will allow me to have a career, something I’ve always wanted.

Today as I sat at my desk and looked around, I wondered “How did I get here? How did I do this”???

But I did :slight_smile:

Oh and I have a new dog now. Her name is Bella.

Short term, you are absolutely right. Who the fuck cares about personal growth! I’d be happy to never have another moment of personal growth in my life if it meant that I didn’t have the sort of stress and sadness that brings it.

We went through this with Brainiac4’s brother a few years ago. Bankruptcy. Divorce. Managed to sell his house after the bankruptcy. By the time he sold all his crap and loaded what he saved in his car with his dog he hadn’t lost everything - he had a car full of stuff, a dog, and a few thousand dollars. Moved back into town where he could live with a friend and piece together enough freelance work to feed himself. Got a job. Started paying his friend rent. We forgave the money we’d lent him (though I’m a little pissed about that, because he thinks we forgave a few grand, and we forgave more than a few grand).

Frankly, he still lives far closer to the edge than I’d want to live, but he seems content now.

My baby sister seems to be taking the sleestak path to personal growth, but she hasn’t hit bottom yet. Hopefully, she too will make it back. To conquer addiction and losing it all - that’s a tough path to personal growth. Easier to just do a Buddhist retreat or take a yoga class or something, but she never takes my advice.

So kick and scream your way through the personal growth part. Character building was an excuse your dad gave you when he made you shovel the walk (ok, at least here in Minnesota) But you HAVE to do it, and you will.

You didn’t seem to be so ashamed to do it at the time. And you never paid me back.

My mother and I went from living in a 3500+ square foot house to living in a small apartment with no idea how we’d pay the next month’s rent and with the furniture we could move in one trip with a borrowed pickup and about 3 or 4 trips with a Chevette that used more transmission fluid than it did oil (because our car had been repossessed- on the same day my mother was arrested for writing a bad check- and at Christmas time just for melodramatic overkill).

I was 20 at the time and in the prime of resilience- the age when sleeping on a floor isn’t so bad and McJobs are to be expected. My mother however was in her 50s and had absolutely NO savings- not even retirement aside from Social Security [that of course she couldn’t draw for many years]). She had once driven new Cadillacs and was now in said bombed out Chevette and later a post nuclear apocalypse looking Yugo. (God I’ll never forget driving that thing when it had headlights pointing different directions and a constant DINGDINGDINGDINGDINGDINGDING bell that wouldn’t stop because it had been near totalled in an accident, battered like Tina Turner after Ike’s IRS audit by a hailstorm, and nobody in town had the parts to fix it [the Yugo dealership having closed] for months). Sometimes I look back and try to figure out “God, how did we make the rent and pay the utilities that month?” and can’t remember.

Things ultimately recovered. It wasn’t a 24 minute sitcom wrap-up by any means, but a lot of work and improvisation and a couple of lucky breaks, it worked out. When my mother died (19 years after we refugeed to Montgomery) she had more money in the bank than she’d ever had in her life, the favorite house she’d ever lived in (with a sizeable equity) that she’d bought herself without a co-signer in spite of having had a “KILL ON SIGHT AND I WILL ABSOLVE THEE” credit rating when she came to town, and a comfortable retirement income. She came back better off than she’d ever been.

And when I look back on those really bad times (late 80s/early 90s) I really do have a certain nostalgia. Part of it’s because I was 20, of course, but there’s also the closeness we had with each other, and the sometimes brilliant (if not always exactly…uh… ethical or completely legal ways of stretching a buck (it’s a point of pride we never stole from an individual) and for the bittersweet appreciation I now have for simple pleasures (going out to a nice restaurant occasionally, buying a brand new book in hardcover, etc.) that were luxuries on par with rubies then. All in all, though, I’m honestly glad that I went through them.

NOTICE TO ANY GODS, GODDESSES, OR FATES WHO HAPPEN TO BE READING THIS: I DO NOT IN ANY WAY WHATEVER MEAN TO IMPLY I WANT TO GO THROUGH THEM AGAIN- NO REFRESHER COURSE OR BOOSTER SHOTS OF ANY KIND ARE NEEDED I ASSURE YOU!

But I know many people who have come back from being very very very low. They’re some of my favorite people in fact. And while the absence of money definitely contributed heavily to some of my least favorite moments, there were also some happinesses I, and my mother, had in those times that today I’d sacrifice a lot of my much better financial position to have back- the “blackest nights have beautiful stars” type Hallmark cliche, and I so miss the people I knew and loved then who were just irreplaceable and I wouldn’t have met them had things been better.

Anyway, I may not have answered your question but I’ve least negated empty space.

I pretty much stopped in to say the same thing. A few years back, I nearly lost it all. My business collapsed & almost took everything we had with it. No job, no hope left, wondering where my kids would be sleeping if / when we lost the house. No one in my family stepped forward to offer any kind of help. It looked pretty dark.

What I wanted to hear more than anything was “It’s going to be OK”. It didn’t matter if there was any substance behind it. I just really needed to hear those words. One evening, I went to my daughter’s band concert at school, feeling really gloomy. As I sat there amidst the music, all the sound in the auditorium faded back & I swear I heard my long dead grandmother’s voice saying “It will be OK”. I cried. I am not sure what anyone around me thought. I did not care. I heard the words from someone who I knew cared about me. Things were still bumpy, but they got progressively better. (Damn - crying again now).

I may not be your grandparent speaking, but here goes - it will be OK.

Oh yes I do understand. I was 35 when my husband divorced me. I am now 48 and think it’s very likely I’ll be one of those old ladies greeting you at Walmart because I got such a late start on retirement savings. Add to that the telecom bust when I lost 90% of my 401k’s value and yeah, I don’t have nearly enough saved despite having a decent savings habit.

However, I know I can survive it. That is definitely worth something to me.

Amazing how things go sometimes…
I want to thank everybody who’s chiming in. I keep reading the thread, assimilating the advice, and trying to let you all know that you’re being heard. You are, of course, and I appreciate you all.
There’s an update to be had here. Of course, it makes me sound like a paranoid, whiny little bitch, but we’ve been rescued.
When I’ve said before that none of my friends or family have the means to really help, that was not exactly true. My in-laws do. Of course, every fable, every apocryphal story, every morality play, and common sense tell a thinking person that you don’t beg the devil to buy your soul. These are people I haven’t laid eyes on in 12 years or so due to some particularly evil things they did to my husband and me when we were young and newly married. It’s a long story. They are (or were) seriously nasty, toxic, fucked up people who I wouldn’t piss on if they were on fire.
Enter the DEVIL.
A year ago or so, they left the house my husband had grown up in and moved into some nice big new digs uptown here. They kept the old house to rent out as a plan for their retirement. They’re currently having some financial troubles of their own due to an unstable job market in my father in law’s very specialized area, a totaled Cadillac thanks to my brother in law (who is beyond fucked up, but again, 'nother story), and the tenants in the house being pretty far behind on their rent.
When my father in law found out about the foreclosure, he called my husband and told him that the house was ours. He’d begin the eviction on the current tenants and give us the place. The rent is half what we were paying on our mortgage and it’s twice as big. I’ve always liked the house. We won’t have to put down extra money or have a credit check or go through the humiliating process of being turned down or worrying about whether or not we’ll find a place to go before the police show up to escort us out of here.
Now, I’m a grudge holder. I’ve tried to be better about it in the last few years, but there are some transgressions that cannot and should not be forgiven or forgotten. I figured these people would be long dead before I’d find a reason to soften my position against them. As it turns out, not only do I have to let the past go, but I am deeply grateful for the bail out. When I say deeply, I mean Marianas Trench like deep. (Once, for 20 minutes…) Yet I suspect this weird feeling in my stomach is what people feel like when they realize that they’ve well and truly sold out their principles for comfort.
12 years is a long time, and perhaps they’ve changed in their older age. When my husband was on the phone with my father in law yesterday and I realized what they were talking about, my husband said, “Thank you for the offer. That’s pretty good.” I chimed in, “Yes, THANK YOU.” My husband said it sounded like his father was going to cry when he heard me say that. People can change, right?
I hope so.
I’ve come to tell you that we’ve found refuge for the time being, and it lies in the hands of weirdness. We have not lost everything. We still have eachother.

Yeah, I lost it all. business, house, car…everything.

Well, my wife stuck with me. We moved into a pop up camper for a year while we worked where we could. Things got better but with no credit they didn’t get much better. Saved, got better jobs, bought a 17 year old heap for cash and basically started plugging away while entertaining ourselves with a deck of cards.

Things are much better now, but if I lost everything tomorrow, we’d start over again, what choice does any of us really have?

That’s the spirit. Things will get better in time. But, where there’s tragedy, there’s opportunity. You just gotta find the silver lining that is sometimes hard to see. I’ve found mine, too, and I’m not going to stop focusing on it.

We’ve got a rough road to travel, but like you said, we’ve got each other.

Sending lots of hugs and good vibes your way. :slight_smile:

We came close…

My business partner and I had been struggling, couldn’t figure out why we were always coming up short despite the long hours and the constant hustling to get clients. And then we found out our business manager had been embezzling.

We got rid of him, but still had to rebuild. Lots of debt, lots of people we needed to apologize to and make amends with because of the bills that had gone unpaid for so long (we weren’t aware of this). And neither of us had money coming in during this time. He put his house on the market, his wife was inches from leaving him. I was fighting nightly with my huz, working insane hours, sinking into depression.

And then our salvation came in the form of a client who loves us and wants to be an angel investor. It seems like all the good things started happening at once. Our name has become known in a good way, we have more clients than we know what to do with, and our investor is connecting us with people who can help us.

My partner took his house off the market and is patching things up with his wife. My huz and I are having conversations instead of fights…and I’m bringing home a paycheck, even if it’s not large.

I’ll repeat the advice everyone has offered: just keep trudging along. Some days it takes every bit of energy that you have and it feels futile. Do it anyway. Better times are always ahead.

And another piece of advice I’d like to offer: when you’re talking to people you owe money to, be completely honest about your situation. Often they’ll be sympathetic and work with you. I was amazed by the number of vendors who backed off when I explained the situation to them. They helped us figure out a way to make payments and some of them knocked off late fees.

Good luck with everything. It’s going to get better, honestly. And in the meantime…we’re all here.

Sorry to hear that you have been hit with hard times Faruiza. (((hugs)))

I am glad to hear that you guys will have a place to live. Now that you have that sorted out, things will get better. It’s easier to be able to relax and plan a strategy , when you have a place to call home at the end of the day.

I have been down to (what seemed like) my last dime and not a crumb of food in the house. I have been broker than broke, I couldn’t buy a free sample with my credit, broke. That was 12 years ago. It took a lot of work to pull myself back up, but I did it.

I was gonna say, if you guys wanna come to Vegas for a change of scenery, I would rent you guys my townhouse. Unfortunately, it won’t be ready to rent out until about the end of May/mid June.

Thanks LVgeogeek! I’ve wanted to meet some of our Vegas dopers, and there was a dopefest a while back when someone was in a poker tournament, but I couldn’t make it. I was in town, but the friend I came to visit was too sick to socialize outside of her house.
Aholibah! That’s who it was!
Anyhow, I regretted not being able to hook up with y’all, and have vowed to try again when I get the chance. Unfortunately, it’s going to be a while. Boo. Vegas is an expensive city for us. We treat it like the vacation it is when we’re there. I miss those days.
Oh, Autolycus. I missed your question the first time. I’m sorry. My answer never fails to make people involuntarily smile when I tell them.
We adjust manholes. We do mostly public works and are a union company. What it means is that whenever a street gets paved, we come in, lower the top of the actual hole, and after paving, dig it out and adjust it to grade. Same for water valves and any utility access that is within the paving area.

The reason we got into this business is that my husband and I have been in various forms of construction for years. He’s been an engineer and project manager for a long time for big contractors and has the know how to do the work. I have background in contract administration, so I know the office end. There is hardly any competition in this area for that type of work. There’s one big company at the moment, and they are raping the general contractors just because they can. Our big problems started when we had general contractors stringing us out on payment. It wasn’t that we didn’t do good work, quite the opposite. They were all happy with our performance. It was one excuse after another, and we just didn’t have the capital to sustain for months on end the way an established subcontractor does.

The most egregious example of this is the biggest job we did. The general contractor screwed up their paving. They and the city (the customer) are going back and forth arguing over who’s fault it is. Since the city is holding up their pay, they will not pay us. That’s their excuse, and although they are clearly outside of the law, they’re taking a chance that we won’t sue them blind. Obviously, we’re going to, but by the time all this shit moves through the court system, it will be way too little, way too late. Until Monday, we won’t even have an idea of whether or not we can sue for punitive damages. If we can’t, and can only recoup our contract price, it’s now a drop in the bucket for all the thousands we owe.

But you didn’t ask for all that extraneous information. Heh. Sorry I got long winded there. :smiley:

You think you’re funny.

You’re wrong.

These words on the interweb (tee hee!) particularly resonated with me. I’ve never had a business to lose, but I’ve sunk pretty far and climbed back up, and the key, IMO, is perspective: everything seems really difficult when you’re in arrears, but if you’re eating a couple of times a day and you have a roof over your head and some job skills, you’re in an enviable position for a lot of people in this world. ETA: What I mean to say is that you always “make it”. Even on a short-term basis–every meal means another few hours that you aren’t hungry.