Help About to lose my trailer and leave dad homeless

[toxicjester]

So I have a trailer that is under my name for because my mom convinced me it was a good idea and also I have documentation and she doesnt. I ended up letting my dad use the trailer so long as he sends me the rent money n shit

I've had a lot of financial struggles so a lot of the time my account fluctuates in and out of negatives, but usually when my dad sends me money I can still pay the rent with my card even if it overdrafted me again

For the month of December my card was in a perpetual state of being over drafted by $500+ and when dad sent the rent money I "paid" on the portal for it like I usually do, expecting to be overdrafted again but no big deal

The bank didn't let the funds get taken out, even after I tried two times. Now dad faces the possibility of getting evicted in 4 days and he just lose his girlfriend to cancer this Monday

I don't know what to fucking do
This is my fault
I don't know

I have like comms open now??? But I don't know that I can post that??? I don't know what I'm doing posting here

I'm really trying, I tried to apply for loans but my credit score is so bad because I've been behind in like 4 credit card payments and two other loans

I'm trying to find emergency financial assistance but I've had no luck

I'm just so so scared and I don't know what to do

Always wanting my mama
Never knowing what to fucking do

 

[Seneca65AD]

Damn, that is rough. I'm not sure where the trailer sits but most jurisdictions have formal procedures that allows the bank to do the formal eviction. Those procedures take time - Evictions will require a formalized Notice of Eviction which requires the court to rubber stamp it. It would be great if your dad has bills or other documents which evidence that the trailer's address is his address. Then it is easier to argue it's his domicile. If it's simply a situation where the trailer is a "travel" type and not the "destination" style, and your dad has no evidence to prove he is living in it, then it can be treated like a straight vehicle repossession - again, everything depends on where the trailer is located, etc.

Of course, if it is a vehicle repossession scenario, then make sure your dad does not leave the trailer. Repossessions cannot typically occur when there is someone in the vehicle. That would require another from of court order. Good luck!!