I've typed this probably 3 or 4 times. I'm extremely hesitant to post this here but I like to think you guys are friends. I'm married to my job. The only friend I really have is in the Navy lol.
So here's the deal. My Mom filed for bankruptcy a few months back, and she called me today crying. No.. Need to rewind even farther. Late 2010 my non-biological grandfather paid for my Mom and I to move to Texas, so he could then pay for my college. After I finished college he came over to our apartment and told me he couldn't pay it off. There was a little bit left but he needed me to take over the payments. I obliged without reservation, of course. My mom and I hated Texas and wanted to move back to Utah. I was only making $9/hr at the time and couldn't really contribute much to the move. She payed for it all by herself. Right before the move my car broke down. She maxed her credit card(s) out to fix it. ~$1,600, even though I told her not to.
Fixed my car
Paid for U-Haul
Paid for Trailer to tow POS Saturn
Paid for gas in both the trailer and her jeep to get from Texas to Utah
Paid for Hotel rooms
Paid for Food
When we got to Utah she was fine financially. Got credit cards paid off. Got an apartment larger than the one in Texas for $300 less. I had already decided I was going to move up to SLC. She was going to stay in St.George. She hated this idea and felt that spending some dough to fill the place up with furniture from a rent to own place was a good idea. I advised not to, and that it was a bad idea. 2 weeks in and she's already piled herself up to her neck in debt but she doesn't even realize it.
I need to stop rambling. Long story short she fucked herself over. Filed for bankruptcy. Claims some obscure number on her W-4 just so she can make ends meet and owes the IRS (for last year) something to the tune of $2-4k. Owes $1.3k on a washer & dryer. $550 on an iPad she put on her contract. She's sold everything she has as it is to make payments. She doesn't have much at all, 3 cats
I know what you're thinking though right? She did it to herself. This isn't exactly the first time she's done it to herself, just not to this extent. I'd hate to give her $1,300 to pay her shit off just to have her turn around and put herself back in debt.
She calls me today crying because she has to start claiming single and 0 on the W-4. For the month of September that leaves her $1.38 after her bills. That doesn't include a realistic figure for groceries.
She can't find a new job because anything she finds is going to pay less than what she makes now. Her bosses are assholes and take advantage of her. They know the situation she's in.
So I guess my question is what can I do to help her? I can't do very much. I feel like i've given her a false sense of hope today. Because let's be honest here, she's pretty much shit out of luck. She has nothing else to sell, and has already widdled her expenses down to what she can.