Arrears Tags

Please, please, please help us! I have e young children aged 1 and 3 and can't afford childcare in order to provide for them to allow me to work. My partner left when I was 7 months pregnant with my youngest child. I have been struggling ever since. I am threatened with eviction- my arrears total more than 2 thousand pounds and I also have debts of 11,560 pounds. (Council tax etc). I need help before I am evicted, I am so worried about my chikdren and am struggling to feed them a proper balanced diet. Please, I beg someone with a kind heart to help. I would appreciate it forever.

I am a single Mom of three wonderful children. But it is finacialy
difficult. I had a great factory job but was injured on the factory line and fired for it. It has been difficult to find a job that after childcare, I can't earn enough money to pay the bills. Two of my children have special needs, my oldest with her difficulties will be repeating two grades in elementry, !st grade and failing this year, 3rd grade. My second child is mild autistic, and will have to repeat 1st grade. Both children are taken out of the classrooms for resource classes. It has been a while and all of my savings have been used to suport us all.
My x left us in Nov 2006, and we have not seen him since. Years of refusing to pay childsupport and he is 24,000 in arrears, managed to get SSI just for himself, so child support is only $50 a mo and $10 mo to pay back for arrears. I am asking for help so that I can help pay off the growing bills I can't afford anymore. I don't own anything I could sell. I feel as if I am drowning, falling unable to pay surounded with past due notices and collections calls and feel like the end of my rope. Please help, even small amounts in collection are blessings. Thank you for your kindness and generosity!! I am greatful for even someone taking the time to read my note, please if nothing eles take a moment and pray for me to be stronger, I feel so weak and worn out from the long battle to stay afloat. Thank you and god Bless.

Thank You

helping$1.00 USD sweet$5.00 USD nice$10.00 USD awsome$20.00 USD great$50.00 USD generouse$80.00 USD sunshine$100.00 USD wonderful$150.00 USD blessing$200.00 USD

Ok, we have ended up here. I am a wife and amother of 2. My husband had to leave his job in 2008 due to physical restraints a surgery put on his back. I had to start taking care of my mom, who was diagnosed with alzheimers. His pay was cut in half from his previous job. I lost my part time job due to being avaliable for my mom. We need $18000.00 to save our home. I have contacted the bank and they want us to sale our home or give it to foreclosure. We are back on track now. I am working two part-time jobs, my husband has moved up in the company. His wages are back to where they were before. We asked to make 2 or 3 payments amonth to recover the arrears, but they say no!So now we have to come up with $18000. Our parents are all gone now. We only have our little family of four. With our home in forclosure, we cannot get a loan to cover the money. So if you can help please do. Our parents are buried in the graveyard of the church that ajoins our property! We dont want to lose our home. We would appreciate any help. Thank you and God Bless

former NYC teacher, I had to resign due to chronic illness in fall 2011. I have depleted my savings, and now have mortgage, car and utilities in arrears. I haven't found another job yet, so I'm near the end of my rope.Help.

Because I believe in the power of prayer & the kindness of my fellow man, I've decided to swallow my pride & ask for help. This is not an action I am at all familiar with but am grasping at every straw to attempt to keep a roof over my family's head. We live in a modest house that we've called home for the past 20+ years.

I am a single mother who's been truly blessed with 4, beautiful, healthy children; 3 biological & a foster son that joined our family when he was 12…..he is now 23. My kids are the reason I continue to battle through what has been the most challenging, darkest phase of my 50 years on this Earth.

In the summer of 2011, life, as my family knew it, was forever changed. My son got off the school bus & proceeded to enter a crime scene upon opening the front door of the house we call home. It was immediately clear that we were victims of a daytime home invasion and robbery. A trail of splinters led straight to my bedroom door, which had been demolished in the process of gaining entrance & access to my personal belongings. Robbers took my box of trash bags & proceeded to fill them with anything that could be sold or traded. I came home to find that they had stolen everything of value that I had worked for in my 50 years of existence & everything of value that my kids cherished as well.

It didn't happen often, but on the occasion that I had a few extra dollars to spend on myself, I found pleasure in buying nice jewelry. Through the years, I had managed to accumulate a nice collection. Also, as a child, my father & I shared an interest in coin collecting. I had managed to hold on to several interesting coins my dad & I found. Weekly, he also, gave me & my brothers our allowance of a fifty cent piece each. I had somehow managed to hold on to many of these as well. I stored my coin collection in the bottom portion of my large armoire. This area is what my family referred to as "the safe." Anything of value, particularly sentimental, was given to me to be protected in the safe. A couple good examples are my, then, 10 year old son's game ball for hitting the Championship game winning grand slam home run & my daughter's horse riding medals, show jewelry & accessories, as well as a silver handled knife & sheath…….the only personal possession my foster son owned from his childhood. I carry a tremendous amount of guilt for not doing a better job of safe guarding my family's precious & dear possessions.

In addition to the lingering guilt, the robbery also resulted in life altering psychological effects to me & my family. I continue to wonder if & when I will ever fully recover & be the secure, self confident person I was before the robbery. Immediately following the break-in, I was consumed by finding out who was responsible & ways of obtaining this information…..I could think of nothing else. After several weeks of frantic guessing & running wild goose chases, I started to realize that regaining possession of my property was less likely as each day went by. I could feel myself falling into a dark, lonely place with deep despair…..& unfortunately, I was content to be there. For the next several months, I could not work, did not eat or sleep & rarely came out of my bedroom. There was a film in my head that ran & reran the events leading up to & immediately following the robbery…..filled with the "I should've"s, "I could've"s and "what ifs." I am plagued with distrust & no longer find interest in much of anything. I was robbed of far more than just pieces of property…..they stole my trust in mankind, my desire to thrive, my faith in the world & my sanity.

I have worked as a medical school curriculum manager for 21 years. As a result of my mental decline, I was unable to work for over three months which, consequentially, made it difficult to pay all of the bills. I managed to rob Peter to pay Paul for several months & kept up with everything except for my house payment. It is now in arrears nearly $5,000.00 & I am out of resources. For the first time in my life, I am facing foreclosure. It is embarrassing & humiliating & I don't know how to tell my kids that they are likely to have no place to call home in the very near future. I feel like such a failure! Even though I've been an exemplary employee for many years, as a consequence of the self doubting & tremendous stress, I am now faced with the strong potential of losing my job due to my inability to focus & my lack of desire to face each day, As if this wasn't enough for one person to handle, I am also witnessing the daily decline of my father & my hero due to end stage Parkinson's & Alzheimer's.

I'm not sure how this begging website works but if there is someone out there that is willing to make me a loan & work out a payment arrangement, I promise not to let you down.....you will be repaid! I am working hard to battle the persisting PTSD symptoms that continue to plague me. I just worry that facing homelessness may be more than I can handle. Lord, I hand it over to You coz I come to You a broken, wounded angel. I thank you for any consideration and appreciate all prayers. May God bless you many times & in many ways for your generosity & kindness!

Because I believe in the power of prayer & the kindness of my fellow man, I've decided to swallow my pride & ask for help. This is not an action I am at all familiar with but am grasping at every straw to attempt to keep a roof over my family's head. We live in a modest house that we've called home for the past 25 years.

I am a single mother who's been truly blessed with 4, beautiful, healthy children; 3 biological & a foster son that joined our family when he was 12…..he is now 23. My kids are the reason I continue to battle through what has been the most challenging, darkest phase of my 50 years on this Earth.

In the summer of 2011, life, as my family knew it, was forever changed. My son got off the school bus & proceeded to enter a crime scene upon opening the front door of the house we call home. It was immediately clear that we were victims of a daytime home invasion and robbery. A trail of splinters led straight to my bedroom door, which had been demolished in the process of gaining entrance & access to my personal belongings. Robbers took my box of trash bags & proceeded to fill them with anything that could be sold or traded. I came home to find that they had stolen everything of value that I had worked for in my 50 years of existence & everything of value that my kids cherished as well.

It didn't happen often, but on the occasion that I had a few extra dollars to spend on myself, I found pleasure in buying nice jewelry. Through the years, I had managed to accumulate a nice collection. Also, as a child, my father & I shared an interest in coin collecting. I had managed to hold on to several interesting coins my dad & I found. Weekly, he also, gave me & my brothers our allowance of a fifty cent piece each. I had somehow managed to hold on to many of these as well. I stored my coin collection in the bottom portion of my large armoire. This area is what my family referred to as "the safe." Anything of value, particularly sentimental, was given to me to be protected in the safe. A couple good examples are my, then, 10 year old son's game ball for hitting the Championship game winning grand slam home run & my daughter's horse riding medals, show jewelry & accessories, as well as a silver handled knife & sheath…….the only personal possession my foster son owned from his childhood. I carry a tremendous amount of guilt for not doing a better job of safe guarding my family's precious & dear possessions.

In addition to the lingering guilt, the robbery also resulted in other life altering psychological effects to me & my family. I continue to wonder if & when I will ever fully recover & be the secure, self confident person I was before the robbery. Immediately following the break-in, I was consumed by finding out who was responsible & ways of obtaining this information…..I could think of nothing else. After several weeks of frantic guessing & running wild goose chases, I started to realize that regaining possession of my property was less likely as each day went by. I could feel myself falling into a dark, lonely place accompanied by deep despair…..& unfortunately, I was content to be there. For the next several months, I could not work, did not eat or sleep & rarely came out of my bedroom. There was a film in my head that ran & reran the events leading up to & immediately following the robbery…..filled with the "I should've"s, "I could've"s and "what ifs." I am plagued with distrust & no longer find interest in much of anything. I was robbed of far more than just pieces of property…..they stole my trust in mankind, my desire to thrive, my faith in the world & my sanity.

I have worked as a medical school curriculum manager for 21 years. As a result of my mental decline, I was unable to work for over three months which, consequentially, made it difficult to pay all of the bills. I managed to rob Peter to pay Paul for several months & kept up with everything except for my house payment. It is now in arrears nearly $5,000.00 & I am out of resources. For the first time in my life, I am facing foreclosure. It is embarrassing & humiliating & I don't know how to tell my kids that they are likely to have no place to call home in the very near future. I feel like such a failure! Even though I've been an exemplary employee for many years, as a consequence of the self doubting & tremendous stress, I am now faced with the strong potential of losing my job due to my inability to focus & my lack of desire to face each day. As if this wasn't enough for one person to handle, I am also witnessing the daily decline of my father & my hero due to end stage Parkinson's & Alzheimer's.

I'm not sure how this begging website works but if there is someone out there that is willing to believe in me & offer me a loan & payment arrangements, I promise not to let you down.....you will be repaid! I am working hard to battle the persisting PTSD that continues to plague me. I just worry that facing homelessness may be more than I can handle. Lord, I hand it over to You coz I come to You a broken, wounded angel. I thank you for any consideration and appreciate all prayers. May God bless you many times & in many ways for your generosity & kindness!

It really seems that I take one step forward and two steps back. After being unemployed for over a year I got a great part time job. It was brisk work over Christmas, then the hours got cut back to 11 hours a month. I have enough to cover buying a bus pass to get to the job and about half of my phone bill. I'm still actively looking and applying for jobs, but it took over a year just to get what I've got now. I really need some money to pay the phone bill fully $182(it's been rolling over for quite some time now and they've finally threatened to shut it off.) If I don't have a phone then I can't get calls from people wanting to hire me or even call places to see if they are hiring. Need money for my storage $154- I put everything I own in storage and am crashing on my friends sofa because I can't afford rent. I'd also like to be able to give her some money for putting up with me all these months. I owe her $700 for when she was paying my phone and storage before I got my part time job. That would be choice. It would be groovy to be able to buy groceries once in a while. This totally sux! I've got a degree, did everything you're supposed to do and I'm drowning in student loans, past due bills,and sleeping on a couch. Thank God for friends that let you invade their space. I tried one of those pay day loan places and I owe them $252 at the end of the month - my pay check will be a whopping $130 or so (after taxes). Ain't life grand? So my account will go in arrears - AGAIN! And i'll have to pay the $35 fee for insufficient funds. About $400 would do it by the end of March. Then I get to start all over again in April scrounging around to get money all while having a less than part time job. I'm not happy. But I'd really be grateful for any help. God Bless.

Hi there
i am hoping some generous people out there can see it in there hearts to help an unemployed desperate man for paying his debt of rent in arrears as due to the fact of taking ill last year it has forced me to leave my job and things are just piling up and up and up. i am seriously desperate to raise £70 by the end of tonight to pay my rent otherwise i end up out on the street as this is my last chance to pay. Please be kind and help

We are a young couple that haven't had the best of luck in the 6 years we have been together. We are dangerously in arrears on most of our bills & rent after I lost my job just before Xmas, my partner works 12 hour shifts but we are always still behind. Every Job I get ends up either closing or making people redudant. We just cant see any light at the end of the tunnel & facing prsecution for 2 of our unpaid bills all we need is around £3,000 & we would be able to start afresh. This is a genuine request for anyone that is reading & willing to donate to us....if we can we always give back to charity - I have done fundraisers for various charities but now we have found ourselves needing the help. Thank you for reading this & thank you if you can help

Hi everyone who reads this!

Where to begin?
life was ok, not amazing but just ok, then we decided to get in over our heads, we lived in a flat with no garden and had 2 kids, so we bought our own home, money became tighter than tight.
Worst thing is when my man lost his job through redundancy!, arrears soon mounted up on everything not just the mortgage!, all other bills grew too!
Sadly it took its toll on us, by this time we had 2 new kids so we totalled a family of 6 at this point and we got very little help.
During this tough time things have fell apart, we have been through some stuff I wont even bring up and almost lost our house over 3 times.
Its almost impossible to get help financially.
My partner managed to find another job, but it was only a temporary position and the debts cant get paid off, feels like it would take an eternity.
Every time the kids ask for something, its the same answer "sorry, cant afford it".
I have suffered from problems with depression for years and my partner finds that as he gets older, manual work takes its toll, he suffered complete paralasis down his left side as a child, nobody here cares, we dont try and claim benefits, we just take what they give us each week and its not a lot, it wont be long before we get threats of eviction proceedings no doubt.
I want to point out that my partner has always worked and I have always been a stay at home mum, we never claimed benefits until he lost his job, we are no scroungers, we want to earn our own money and it was really a downgrading experience for my man to get treated like "just another waste of space" at the local job center!
This whole cyber begging thing, I stumbled upon it quite literally, at first I laughed, thought its seemed silly and funny but then I thought that perhaps it wasn't so dumb, what if someone out there cared enough to help total strangers?

well I dont know what to say other than any offer is welcome?

thanks :)

Hi I'm 40 years old woman just want to tell you how i need yours help . Working night shift for 10 years on factory don't allow me to see my family and spend some time with my son .If i will stop work we probably will loose house because we can't afford pay mortgage and bills we already in the arrears . All what keep me in that world is my little boy and i writing here not asking help for me i do it only for him . So any help would be very helpful and thank you so much . With big hope and pray.

Hi, I am a 49 year old man. I am from South Africa. I have some health problems and is not working. My wife works for a small salary that is not nearly enough to pay for everything. Since the recession everything has become very expensive, including food. The bills just keep on piling up. There is school fees to pay, clothes to buy and most important, food to buy. My rent is a couple of months in arrears, luckily the landlord is understanding. As work is very scarce for people without afterschool studies my eldest daughter must also start studying in order to get a decent job, more expenses.
I beg from you, PLEASE, PLEASE help. Every little bit you can spare will help.

Hi,
I am new to all this and feel bad begging but have run out of options.
I was diognosed with Fybromyalgia last year and recently m.e 3 months ago. I was working full time until 6 months ago but due to my illness have had to cut down to 16 hours. I applied for housing benefit but was told I was overpaid 5 years ago when I last claimed so will not recieve anything for 2 months. I have rent arrears of £930 and my landlord has just served me with notice to leave the property by the end of Febuary. I am my wits end and hsve no ine to help me. I have been advised I can go into homeless accomodation but cant take my cats and it means living far away from my daughters school.
I would be extremly grateful for any help and I hope I can do the same for someone else when I get back on my feet.

hi i don:t usually ask for help but unfortuateley things are dire at the moment.my husband had a heart attack at the beginning of november and we now find our selfs in dire straits financially as he has been unable to return to work,we have amassed rent arrears and are struggling to keep the house as the council are threating us with eviction. any help no matter how small would be gratefully appreciated

I am a 32 year old woman and i live with my 14 year old daughter and my 40 year old fiance of 12 years! We have always had money problems because whilst i have worked in retail, my fiance has had trouble finding a permanent full time job. I have been the breadwinner all of this time. We now have stable, permanent full time jobs and are working hard to pay off our debts that have been building up.

During the past 6 and a half years we had to downgrade our property and rent a small damp home in a rough part of town. The mould is getting increasingly worse and i have to de-mould the walls and windows every 3 weeks. The house smells damp and it is hard to retain the heat as there is no double glazing. The agency is aware of the problem but the landlord doesnt want to shell out any money to fix the cause of the mould/damp so has given us a dehumidifier!!
We are too embarrassed to invite friends or family over and likewise so is my daughter.

My fiance and i have been working to pay off all the debts that built up (£2,000 rent arrears £1,500 water rates, £500 council tax and a £1,500 electric bill). Thankfully we only owe £500 rent now and aim to pay this off by the end of may.

What we will struggle to do is save up a deposit for our next rented property. It will probably be about £1,000 for a months rent in advance and a deposit. We will get our deposit back from this house which is £380, and we will save as much as poss ourselves. We would all really like to move before summer as this house only has a tiny backyard and it doesn't even get any sunlight. The washing doesn't even dry out there!!
Any donations would be greatfully received and very much appreciated. The sooner we move, the better!

Hi, have Stage Three Kidney Diease, its hard to work. I have Three part time jobs to make ends meet,yet I tire so easly trying to keep all jobs. My kidney problem keeps me from working hard and earning enough money to pay bills. My food stamps were taken away because of me trying to work and put food on table, I am divorced but the courts are making me pay $105.00 each month in arrears. Its tuft, yet I know there are thousands of people worse off that me. I just pray that God would send an angel to assist me. I believe in Paying it Forward when I can. I am very tenderhearted and when someone gives me a helping hand, I tear up and cry. Hey, its ok for a man to cry. I am begging for help. Just anything would be a huge help. Thank you for any prayers that you would lift up for me.

I'm really struggling to pay off my arrears, I can make the monthly payment as I am working but I owe £2000 and the
bank won't listen. I have 2 children aged 10 and 11 months I really don't want to loose our home. Unfortunately because I
have a job I'm penalised and don't get any help with
payments, I know the system is great isn't it. I'd really
appreciate your help if you can. Thanks x also I would be able to repay the money weekly via standing order or bank transfer

Hi, I'm a single mum of 2 with a job hence why I can't get any help. I have got into mortgage arrears of£2000 and facing eviction, I have a better job now and can afford the repayments no problem it's just the arrears and late charges I can't cope with. This has been my home for ten years I really don't want to loose it. Can anyone help? If so thank you so much x

This is difficult for me to write yet I must put ego aside and take a chance. I am a single parent of three children in NYC. Three years ago I had to leave my job because I did not have a degree. After much planning I went back to school to get my Bachelors. I designed my studies to get financial aid to cover not only my tuition but also my rent and utilities. But I also knew that I would have part time work to cover any lag. Unfortunately, as soon as I did this the financial collapse occurred severely curtailing my earning potential. Tuition was covered but rent was not every month. I struggled and ultimately fell behind on rent. However, after entering into a payment plan with my Landlord I fell behind due to loss of income. I broke the agreement and am now forced to pay the entire arrears. My rental situation is so severe now that I am facing eviction by mid August. I owe $5500. I have gone to many of the city agencies to get my arrears taken care of and still hope to do so. However, I only have two weeks to secure this and I am not certain. I know that If I can raise at least half that amount I can get one of the organizations to match that amount. I have good kids and they don't need the trauma or deserve to be displaced in this manner. Particularly after all they have been through. My primary objective is to show them that I can follow through with school and keep a roof over their heads. The irony is that I will be finished with school in a few months. I also have work now and for the foreseeable future. My only issue is that I cannot pay the massive arrears that is now totally due. Any assistance would be greatly appreciated. I will give any information requested.

Please can anyone help? I am a mother of 2 (aged 3 & 7) and am about to lose everything, including our flat.

I am stuck with arrears that my ex-partner ran up hrough gambling instead of paying rent and bills and am in debt to the tune of £4.500.

I took out a loan to try to cover this, but am unable to pay this on top of food and bills.

I have had several warnings and it's got to the point where my home is about to be reposessed unless I can come up with some money quickly.

If I have pay of existing debts, I will be fine. I won't be rich, but, will be able to manage.

I am so embarassed about doing this - I've never done anything like this before (and hopefully never will again).

Any contributions, no matter what size, will be greatly appreciated.

Thanks,
Naomi

Please can anyone help? I am a mother of 2 (aged 3 & 7) and am about to lose everything, including our flat.

I am stuck with arrears that my ex-partner ran up hrough gambling instead of paying rent and bills and am in debt to the tune of £4.500.

I took out a loan to try to cover this, but am unable to pay this on top of food and bills.

I have had several warnings and it's got to the point where my home is about to be reposessed unless I can come up with some money quickly.

If I have pay of existing debts, I will be fine. I won't be rich, but, will be able to manage.

I am so embarassed about doing this - I've never done anything like this before (and hopefully never will again).

Any contributions, no matter what size, will be greatly appreciated.

Thanks,
Naomi

I have been disabled for the last 6 months and have already applied for Public Assistance and SSDI, but still waiting for approval from the various agencies. My resources are completely exhausted and it will be at least another 30 days before I receive any Cash Assistance or disability payments. Rent, utilities, phone are all in arrears and I'm lucky I still have a patient landlord and they haven't shut off the power and phone(yet). Luckily, I am receiving Food Stamps, so I'm not starving.

I need a few dollars to make it until the Wait for Approval is over at SSA.

Thank you in advance for any help you can offer.

I have been disabled for the last 6 months and have already applied for Public Assistance and SSDI, but still waiting for approval from the various agencies. My resources are completely exhausted and it will be at least another 30 days before I receive any Cash Assistance or disability payments. Rent, utilities, phone are all in arrears and I'm lucky I still have a patient landlord and they haven't shut off the power and phone(yet). Luckily, I am receiving Food Stamps, so I'm not starving.

I need a few dollars to make it until the Wait for Approval is over at SSA.

Thank you in advance for any help you can offer.

I have been disabled for the last 6 months and have already applied for Public Assistance and SSDI, but still waiting for approval from the various agencies. My resources are completely exhausted and it will be at least another 30 days before I receive any Cash Assistance or disability payments. Rent, utilities, phone are all in arrears and I'm lucky I still have a patient landlord and they haven't shut off the power and phone(yet). Luckily, I am receiving Food Stamps, so I'm not starving.

I need a few dollars to make it until the Wait for Approval is over at SSA.

Thank you in advance for any help you can offer.

I have been disabled for the last 6 months and have already applied for Public Assistance and SSDI, but still waiting for approval from the various agencies. My resources are completely exhausted and it will be at least another 30 days before I receive any Cash Assistance or disability payments. Rent, utilities, phone are all in arrears and I'm lucky I still have a patient landlord and they haven't shut off the power and phone(yet). Luckily, I am receiving Food Stamps, so I'm not starving.

I need a few dollars to make it until the Wait for Approval is over at SSA.

Thank you in advance for any help you can offer.