Personal Narrative: My Bankruptcy

I’ve been pursuing my education for my entire adult life. As a young and working mother I tried to fit night classes into my hectic schedule but never seemed to be able to string together enough credits to make it seem like it was worth the time. Then some years back, I began working for an employer that had tuition reimbursement so I took advantage of that - only for a minute; unfortunately the following year they took reimbursement out of their benefits plan, and around that same time the school notified me that my old college credits had expired and wouldn’t be used toward my degree. Their ‘Life Credit Portfolio’ was an option, but just barely. I decided that my time had passed and I should focus on saving money for my children’s college, and retirement.

I grew up in a household where personal finances and building good credit was not the main topic of discussion at the dinner table. I was well over 21 years of age when I really started learning anything about credit and how to use my credit score to my advantage. To be honest, my first real encounter with being taught about personal finances and credit came from attending a network marketing meeting. Even though I was invited because of a business opportunity, I learned so much listening to this guy talk about regaining your wealth through your own personal finances.

Realizing my life had become unmanageable took place some time before coming to CityTeam. I was living day-to-day in my addiction, not caring about anything or anyone. Stealing was a daily task for me at this time; honest work was not an option. I was unable to keep a job because, no matter what, the drugs came first. Stealing, cheating and lying became all I knew of how to survive.

What I wanted on summer vacation made me end with a heavy debt on my shoulders. The debt that I haven?t paid off yet to my dad. Buying the PC was a good idea, but I messed it up myself. Last school holiday I had the bright idea to buy a PC, PCs are strong, easy to use, and reliable. I am a guy who wants to experience all fields of gaming, when some people like calm and relaxing games. Others might like driving, sports, strategy games, or some action. For me, I try all types of games, so to do that I have to get myself a PC, and what?s cheaper than building one yourself (at least what it?s normally like).

Delano then pulled a gun from his ankle holster and places it on the table top. --

Adversity has always been a close cousin. Being born in a third world country, I had to overcome adversity arriving to America. Once in America I walked with adversity as I faced many cultural and lingual barriers. In my journey with my cousin we shared many priceless moments. One of the moments that stuck to me was my recent trip to Pakistan.

I Jiniqua Jones is aware that I have loss my financial aid due to lack of student ability to succeed during the semester. I have been a student at Palm Beach State College for a year, and plan to continue my education if appeal is granted. As a student, my goal is to succeed and remain dedicated through the semester. Due to underlying circumstances in the pass, it caused me to slack in my academic performance. In which I was experiencing family issues, and transportation problems. My stepmom was diagnosed with fibromyalgia which causes chronic pain throughout the body, and headaches. My step-mom didn’t have support with my younger siblings, being that my older sister was working. I was the only one she could rely on for help. My step-mother

I remember when I started my recovery I was discharged from the detox program into a six month transitional program. Transitional living that deal with people recovering from addiction are often referred to as recovery residences. The Transitional Living Center provided me a place where I could re-establish my own self-worth. When I was at the transitional housing I felt safe from the possibility of a relapse. My recovery plan was individualized according to the determination of my needs. They taught me what my triggers were and how deal with them in positive ways. I remember when my six months were up and I was getting ready to be transferred into the supportive housing program to be integrated back into the community. Supportive housing allowed

The lives I would touch for my legacy would be my family and friends because those are the people that care about me and what I do. That they would help me out with anything I need. My major accomplishment would be a pro soccer player and go to Rutgers College. The other accomplishment in my life would be to get very good grades in school to get a good education.

Collapsed. 3rd January 2015, I was awoken by the hysteric screams of my mother coming from her bedroom. I rushed in just to see the sight in front which overwhelmed me with waves of anguish. My father collapsed on the floor. foaming. My tearing mother by his side screaming out "995!". The following crucial hours felt like days as I followed my dad who was rushed to the A&E department - my world just took a 360 Degrees change. The A&E department diagnosed that my father was struck down by an Acute Ischemic Stroke, killing off his entire Cerebellum, severely reducing his cognitive abilities. My father was bed-ridden, unable to speak and control his movements properly. Reality struck me, my beloved father will never to be like normal as he was

When I think of the word legacy I think of how I will be remember and what I will leave behind for generations to come. I think of people like Martin Luther King Jr and Gandhi, whose impact changes the lives of many and the world as it was known during that time. I don’t think that my impact will be received on such a big scale like Martin Luther King Jr., Gandhi, and many other but hopefully I will be able to touch the people who were close to me during my lifetime.

My Legacy will be remembered as good student but not the greatest behavior. Most of my legacy will be remembered with the teachers I always had a good thing with the teachers. The teachers always liked me because I did my work and payed attention sometimes.It wil also will be with the students I left behind a good path with the teachers. The life that I touched the most would be Mrs. Codispoti she was my favorite teacher last year and we made a big impact on each other's life.

I have been through difficult times with my personal finances. My husband is unable to find a job, I had a kidney transplantation and the medications cause a lot of money, and I have to take care of my mother who has a low back issues. As a result, I haven't been able to make payments on my debts. However, I understand it is my responsible to take care of my debt with your company. I would like to avoid filing bankruptcy. I really appreciate your willingness to help me resolve this issue.

Think of what you would think of on your final day of life. Sitting in your hospital bed,

when a time something broke was in 2017 me and my. Brother was playing soccer outside my Brother kicked the ball it broke the window.and I said "we have to fix this fast." and he said "how?" and I said "with glue or tape ahh! just pick one." "lets do both." he said "ok then hruury up." I said so on we went inside and got tape and glue. we went outside and glued and taped and we went inside and thouht and I said "we should play something else to play" and he said "how about football" "okay" I said and. We went outside and we got in to our places and he thew the ball and it hit our broke old car window and I said "what is wrong with you hitting windows." and he said "I don't know." but it didn't brake I was releved