All:
I don't know if anyone from RMP still reads this forum. If not, this will be a good chance for me to just let a few things out. If so, then please read this post and try to take it to heart. I'm not sure that you are still reachable on an emotional level, so read it for the logic if you must.
My wife and I began sending you payments in April of 2004. Earlier in life, we'd made some stupid mistakes, made some bad decisions and ended up over our heads. We ended up bankrupt. We went through the painful, embarrasing process of getting our private financial lives made very public. After that, we swore that we'd never get in that position again.
We did well for a few years after that. Then, we had a sincere family crisis that involved the death of twin babies. I was in school at the time and working as well to help make ends meet. My wife, daughter and I were living with her parents, who were very gracious hosts. When our twins were stillborn, it caused us great stress and distress. I quit school to look for full-time work because, while we didn't have new babies at home, we had the medical bills that go along with delivery of babies. It was very, very difficult.
I found work in a facility that attempted to educate and reform adjudicated teen boys. I had been working there for a few months and we had begun to think our new town was going to be our new home. We'd made a cross country move to get to the new work, so we had some moving expenses that never were covered by my new employer. After about 8 months on the job, I came to work one day and before the day was over, the company had gone out of business, their state contract had been cancelled and I was out of a job. My wife, daughter and I were 1800 miles from family with no job, no job prospects and no savings to speak of.
Once again, we were starting to build debt and having problems, but this time it wasn't because we weren't trying. Bad things happen to good people. I don't expect pity from this story, but I do anticipate some of you will be able to sympthize.
We were forced to move back closer to family and I took a job about 2 hours away from my wife's family. I worked there for two years and was making decent money. I was also engaged in running a small computer repair business on my own and we were making headway on our debt. Even managed to put money in the bank. This sure looked like home to us, so we bought a nice house (nothing fancy) and a car to replace the vehicle we'd all but worn out in the recent moves.
In my third year of employment, the business down-sized and my job evaporated. Without my regular job, the business wasn't able to support us. We were forced to move again and find work. We lost our house to the bank and a vehicle was sold to buy rent and groceries.
By this time, I knew we were in way over our heads. I'd promised I'd never do bankruptcy again, but our creditors were really getting ugly about our late or non-existent payments. So, we started looking for some help.
My wife found RMP and discussed our situation with them. They sounded genuine. We also did some checking and never found anything that raised our suspicions. This was a bit over 3 years ago and, from what I gather, this was before it "hit the fan" at RMP.
Now, we're out $5,200.00, have no money to settle with our creditors and are basically worse off than when we started. Not only are we out the RMP money, but we also still have creditors who need to get paid.
Hyla, I've never met you or talked with you. I don't know you as a person, so I will make no judgements. I need you to read this next part carefully and just take it in.
I'm a father and a husband. I have two lovely children and a wonderful wife. I am doing everything a man can do to try and provide a good life for my family. With my wife as my partner, we are attempting to lead responsible lives. We came to you for help. We trusted you. We put our hope in your ability to help us out of some dark times. It pains me to say it, but you've betrayed that trust.
I need our money back. Not just to pay our creditors, but to keep my dignity and sanity. I'm not out to buy more material goods with the money. I need it to keep a roof over my children's heads and food in their mouths.
Please, Hyla, send us our money back.
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