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help! please

Posted by needylady on 2012-05-11 11:58:35

im in desperate need for a washing machine! i wash my clothes in the bath tub and it dont even get them clean. i dont have the money to buy one but if anyone can help me out with one id really appreciate it. please help im tired of breaking my back

house

Posted by orphen on 2012-05-04 10:58:15

I live in a flood plain area. My house is falling down around me. I am looking for someone to help me tear down and help me get a home to elevate on my property. I own my property but my house is slowly falling in. I need help. I need a loan or a home builder to build me a house. My credit is shot and I do have an income but my credit is shot. I have a 16 year old daughter at home and the house is falling down. t
he wall between my bathroom and kitchen has dropped 4 inches, my bath tub is tilting to the right, and my front porch is sinking in the back. It wont be long before is in the crawl space. Please Help!!!!!!!

Phone bill for ex gf

Posted by customglass on 2012-03-12 22:58:48

i got a phone contract with t mobile under my name so my girlfriend could have a phone for her birthday, then she broke up with me cause i got addicted to spice. im now not addicted to spice but would like to get her back, but she wont even talk to me since i cant pay the phone bill (after she left i got addicted to bath salt and lost my job) half the phone bill is 90 dollars, she has a job but i dont, been out of work for a month and a half now

contact me @ daryl.t.mccoy@gmail.com
In the North Dallas, Carrollton area in exchange for work

I am looking for a room or even an RV or shed out back that is habitable
with access bathroom and laundry facilities.

For Place to stay I will:
Clean House
Cook Meals
Do Laundry
Maintain Yard (Weeding, weed whacking, lawn mowing)
Wash Outside windows
Bath and Walk Dog
Run Errands

I do have income from a job as an event specialist which I work Thurs, Fri, Sat and Sun 10:30am – 5:30pm.

I do have a 14 year old female altered litter box trained indoor cat.

More information on myself and my situation is available upon request.

STRICTLY PLATONIC NO HANKY PANKY OR NAUGHTY BUSINESS,
NOT LOOKING FOR ANY KIND OF SEXUAL OR ROMANTIC RELATOINSHIP
Just a living arrangement that will provide me the space and time to focus on working my life and my self so I can once again be an independent, productive self supportive individual.

Our house fell apart this week...

Posted by sfournier1991 on 2012-02-08 13:58:23

The stairs to our back door broke, the bath tub that was raised about 6 inches off the ground fell, the air conditioner broke and then yesterday our electric was turned off. I dont even have money to get to work the rest of the week. When we get our taxes, we are moving somewhere a little bit nicer now that my husband is starting full time at his job in a couple weeks. We have a 14 month old little girl and we need better for her. Please anything will help until we get our taxes. I will even pay you back if you give me your paypal address! I will pay interest. I just really need something to get us through the next week or two. Thank you.

Bath Salts

Posted by Chrono on 2012-01-30 21:58:22

I make bath salts, a family recipe to soothe muscles. For eight ounces, it is five dollars, and then the cost of shipping. All proceeds will go to keeping my family housed, healthy and fed. Hopefully...

Qualification to help tired hubby

Posted by soapyideas on 2012-01-29 04:58:48

Hi to all and thank you for reading my post.We are a family of 4 with 2 young girls. My husband works very hard to pay our bills and it leaves very little left over every month despite our scrimping and saving. Despite looking for work myself, we live in a very small rural town and with most jobs my wages would be taken by travel and childcare, I have so far been unsuccessful. I have started to look at work from home idea's and enjoy making soaps and bath products, to be able to sell these products I need to be certified by a chemist and do assessments. These in total cost around £500 and that's before I start buying ingredients so to speak to make the products to become qualified. If I become qualified I hope to be able to sell products and help my husband by taking some of the financial strain off him and to help provide for my 2 daughters. Many thanks in advance to all of those that can and will help. As and when I am in a position to help I will help others in need xxx

Broken boiler for over 2 years

Posted by coldandtired on 2012-01-26 12:58:13

Hello, I live in the north of England. Many years ago I got myself in an awful lot of debt(my own fault i know), I am currently paying this off but it will take me about 15 years to pay off, the payments I have to make leave me with absolutely nothing at the end of each month,in October 2009 our boiler broke and we have no chance of affording a new one, therefore we have no heating and to have a bath we have to make endless trips with the kettle, we have 2 children aged 4 and 8 and feel awful that they have to live this way. me and my wife both work with me leaving the house at 3 am and getting home at 5pm 6 days a week. My family and I would be so grateful if anyone could spare even a few pence just so we can start to build a fund to get a new boiler.
Thanks for reading

Leaving a Domestic Violence Situation with 2 small children

Posted by domesticabusesurvivor on 2012-01-25 22:58:50

As hard as it was to just pick up and leave an abusive (both physical and mental) of 12 years, it was even harder to have my youngest daughter who is 3 walk up to me and say "mommy why are you crying, is it because daddy is mean too you?" That absolutely melted my heart and gave me the "final straw" scenario to leave my husband, and take my children so that they can be raised in a non-hostile environment.This decision has definitely come with a number of hoops and hurdles to get over. It doesn't scare me that I am now going to me a single mother, but its all the responsibilities that come with that title.

First hurdle, I had to overcome is finding a place for myself, 3 year old daughter and 1 year old son to live. There is a very limited amount of shelters for women with children, so we ended up staying with my bff in her 1 bed/ 1 bath 695 sqft apartment. While this is only temporary I am glad we at least have somewhere to lay our heads at night. Not to mention I work, 67 miles from my BFF's residence, and my kids school is another 80 miles away. This commute has almost been impossible to make, but my choices are limited at this point.

The things I so desperately need help with now is ANYTHING in your heart or power to do. Donations thru paypal are great and would help tremendously. I have to find a place closer to work and my children's school, I have my daughters school tuition of $385 due every month.I am lucky that her school is working with me considering the circumstances. I also still have to buy diapers and wipes, and organic food because my son has asthma and allergies. I never wanted to be rich, I just don't want to have to worry every week. I hope to be in a better position one day where my fiances not only allow me to live but also to help out anyone else in need.

Domestic Violence is such a mind game, it took me 12 years to see beyond the tricks and realize the damage it has done to not only myself but my two small children who are like sponges. Their behavior lately has me thinking that they will definitely have to go to family counseling in the near future.

Anything that is in your power to do will be so greatly appreciated. .50, $1, $5....whatever will help me rebuild our family unit. My husband mot helping me or focusing on the kids is his way of getting to me, but I cannot and will not ever go back. If anything please keep my children in your prayers, I hurt for them because I could not provide them with a traditional two -parent home. They are getting the short end of the stick and as a mother who is all about her kids...it hurts! Thank you for taking the time to read my story. If you are in a similar situation my prayers go out to you as well.

Please visit my link on paypal at: https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=CEFNFPGL57LDE

LOOKING TEMPORARY PLACE TO STAY WITH USE OF VEHICLE.

Posted by geoherms on 2012-01-13 12:58:59

In the North Dallas, Carrollton area in exchange for work

I am looking for a room or even an RV or shed out back that is habitable
with access bathroom and laundry facilities.

For Place to stay I will:
Clean House
Cook Meals
Laundry
Maintain Yard (Weeding, weed whacking, lawn mowing)
Bath and Walk Dog
Wash Outside windows

For use of a vehicle I will:
Run Errands
Always leave gas level where I found it,
Keep a check on fluid levels
Wash and wax vehicle.
Detail inside.

I do have a 14 year old female altered litter box trained indoor cat.

More information on myself and my situation is available upon request.

STRICTLY PLATONIC NO HANKY PANKY OR NAUGHTY BUSINESS,
I am a good girl in need of a temporary place to stay and use of a vehicle to get back on my feet.

Need help on my rent

Posted by JaxxN on 2011-12-27 13:58:46

Hi. I am jacqueline and I am 20 years old. I live in a 3 bed room 2 bath with a roomate. I need 600 dollars for my half of the rent by the first of jan. I got laid off of my job and I have looked for more jobs, and I have had no luck. I dont have family that can help me and if I dont pay this month, I will be kicked out. I am a very hard worki.g girl. The fact that I am in this situation and asking for help makes me feel horrible, but I dont want to end up on the streets. If anyone can help I would be so grateful. I am.in the process of finding another job. I cant do that homeless. if anyone can.help, I would be so grateful. I am a musoc artist also, if anyo.e can help the least I could do is play a free show for them. thabk you for anything you can do.

Jaxx-

senior in need of your help for handicap son

Posted by smokie080650 on 2011-12-26 23:58:45

senior mother with prosthetic hip -in need of monies to update bathroom, in order to bath 42 yr old handicap son. financially struggling. sincerely appreciative, for your contribution in monies. please mail to: F.M.Luke at P.O. Box 9673/ Trenton, New Jerse 08650 USA

cc

Posted by serena on 2011-12-08 06:58:01

Hello, I am the owner of a small company that makes handcrafted body products: Body butter, Lotion, Lip balm, Soaps for various skin types, bath salts/scrubs, etc. My company consists of two other people and myself. To meet our customers demands, $10,000 is needed for all aspects of the business.
Raw Materials: $2,000
Packaging: $2,000
Software (Adobe Suite): $350
Web Hosting: $600 annually
Labels/Marketing: $2,000
Laptop w/Windows 7: $1,000
Vehicle for drop off and P/U: $2,000
Making homemade body products is a passion of mine and I want to expand so that everyone can enjoy healthier skin. Any and all donations are greatly appreciated and I will forever remember how I was able to continue my small business. Free samples are available if requested. Thank You very much!

Handcrafted Body Products Company

Posted by Ajunki33 on 2011-12-03 21:58:28

Hello, I am the owner of a small company that makes handcrafted body products: Body butter, Lotion, Lip balm, Soaps for various skin types, bath salts/scrubs, etc. My company consists of two other people and myself. To meet our customers demands, $10,000 is needed for all aspects of the business.
Raw Materials: $2,000
Packaging: $2,000
Software (Adobe Suite): $350
Web Hosting: $600 annually
Labels/Marketing: $2,000
Laptop w/Windows 7: $1,000
Vehicle for drop off and P/U: $2,000
Making homemade body products is a passion of mine and I want to expand so that everyone can enjoy healthier skin. Any and all donations are greatly appreciated and I will forever remember how I was able to continue my small business. Free samples are available if requested. Thank You very much!

Many struggles

Posted by Closemyhearteyes on 2011-12-03 21:58:05

I'm asking for help in the general debt relief area. I live with 3 other roommates and one is pregnant and I'm the only one with a vehicle so I've been struggling trying to make sure I don't End up homeless because my roommates got fired and couldn't pay rent because they didn't have rides. Our weekly pay range from 70 dollars up to 250. I NEED to get out of this situation! I live in an apartment complex where my vehicle was vandalized and hit and run overnight. I can't get back into school because I can't catch up on my bills enough to save for school. I'm only 2 classes away from getting an associates in general business management, it's sad. I'm 25 and almost can't make a 200 dollar car note and 200 dollar rent?! I have 2 credit cards that add up to be 3,300 dollars and I've even had to be late to keep a roof over my head. I'm also hard of hearing (completely deaf in my left ear and partially deaf in my right) and my job is very loud and isn't helping that situation. I had financial aid for college but due to my move, I failed 2 classes and since I couldn't physically be at the school to drop my classes I am now on financial aid probation. My mother is going through a tough divorce where the guy is taking everything away from her... Even her home of 15 yrs (MY HOME) has to be sold because she only makes 25,000 a year and can't afford a 900 dollar mortgage (used to be 600 until her ex came along making alot of money). My grandmother is now helping her and she's going on 84... She shouldn't be having to deal with taking care of my mom and younger sisters and I'd like to be there but I CAN'T! Please, anything will help. As soon as I get caught up and able to save the 600 dollars I need for my classes I want to start putting money into my grandmothers account to help her and my family. Thank you ahead of time. Oh and also I'm quite tired of eating beans and cornbread and having to wash my clothes in the bath tub.

Please help me get out from under this dark cloud following me

Posted by clee1977 on 2011-12-01 20:58:38

I am very shocked to find myself in this position and would never have thought I would ever "beg" but I find I have to try everything possible. My job was outsourced to India and I suffered a HUGE loss in salary. I now have 2 low paying jobs and as luck would have it, everything possible has broke,leaked, or stopped up! My furnace in my house broke, the clothes dryer,dishwasher,stove have all broken in the same month. The toilet upstairs leaks downstairs and the only tub I have is now clogged so that it can't be used. I have already paid hundreds for plumbers and the only solution is now to rip out walls to remove the old pipes to find where clog is. I also now have 2 broken teeth in need of immediate repair before the roots becomes infected. So as I search for a new better paying job I am in desperate need of help. I now know how the early settlers felt having to take a "bath" in the sink. I certainly don't see an employer hiring a stinky 52 year old woman. This has caused me to be behind on my mortgage as well and I am in jeopardy of losing my home.
Any little bit you can give would be helpful and I fully intend to "pay it forward" once I am back on my feet. Thank you all from te bottom of my heart.

Mother of 3 young kids...DESPERATELY NEEDS HELP PLEASE!!!!

Posted by mommyof3babies on 2011-09-27 17:58:04

I don't know where to turn to but I am a mother of 3 young children (ages 4, 3 and about to be 2 years old). My husband has just left me and I have been looking for work but it has been hard because I have not worked since 2006 when I got pregnant with our first child. My oldest is also autistic and does not understand why Daddy is no longer at home with us. My husband left me with all of our bills unpaid and he also took our vehicle. The water was shut off this morning and today I received a disconnection notice for the electric bill. I am going to apply for assistance through welfare tomorrow but I am desperate and not sure what I am going to do because we will be homeless if I cannot get assistance immediately. I am out of diapers, wipes, bath wash and I am about to run out of food. I have no friends and no family around to help me. I have tried borrowing money off my family back east but they are not in a position to help me. Can someone please offer and advice/help or direct me to the right place please??? Thank you.

Mother of 3 young kids...NEED HELP PLEASE!!!!

Posted by mommyof3babies on 2011-09-27 17:58:02

I don't know where to turn to but I am a mother of 3 young children (ages 4, 3 and about to be 2 years old). My husband has just left me and I have been looking for work but it has been hard because I have not worked since 2006 when I got pregnant with our first child. My oldest is also autistic and does not understand why Daddy is no longer at home with us. My husband left me with all of our bills unpaid and he also took our vehicle. The water was shut off this morning and today I received a disconnection notice for the electric bill. I am going to apply for assistance through welfare tomorrow but I am desperate and not sure what I am going to do because we will be homeless if I cannot get assistance immediately. I am out of diapers, wipes, bath wash and I am about to run out of food. I have no friends and no family around to help me. I have tried borrowing money off my family back east but they are not in a position to help me. Can someone please offer and advice/help or direct me to the right place please??? Thank you.

Husband Left Family of 5...PLEASE HELP

Posted by mommyof3babies on 2011-09-27 17:58:01

I don't know where to turn to but I am a mother of 3 young children (ages 4, 3 and about to be 2 years old). My husband has just left me and I have been looking for work but it has been hard because I have not worked since 2006 when I got pregnant with our first child. My oldest is also autistic and does not understand why Daddy is no longer at home with us. My husband left me with all of our bills unpaid and he also took our vehicle. The water was shut off this morning and today I received a disconnection notice for the electric bill. I am going to apply for assistance through welfare tomorrow but I am desperate and not sure what I am going to do because we will be homeless if I cannot get assistance immediately. I am out of diapers, wipes, bath wash and I am about to run out of food. I have no friends and no family around to help me. I have tried borrowing money off my family back east but they are not in a position to help me. Can someone please offer and advice/help or direct me to the right place please??? Thank you.

Need Help Please...Mother of 3

Posted by mommyof3babies on 2011-09-27 15:58:36

I don't know where to turn to but I am a mother of 3 young children (ages 4, 3 and about to be 2 years old). My husband has just left me and I have been looking for work but it has been hard because I have not worked since 2006 when I got pregnant with our first child. My oldest is also autistic and does not understand why Daddy is no longer at home with us. My husband left me with all of our bills unpaid and he also took our vehicle. The water was shut off this morning and today I received a disconnection notice for the electric bill. I am going to apply for assistance through welfare tomorrow but I am desperate and not sure what I am going to do because we will be homeless if I cannot get assistance immediately. I am out of diapers, wipes, bath wash and I am about to run out of food. I have no friends and no family around to help me. I have tried borrowing money off my family back east but they are not in a position to help me. Can someone please offer and advice/help or direct me to the right place please??? Thank you.

Help me turn on my Gas Please

Posted by kmchhouston on 2011-09-17 08:58:13

Need assistance turning on my gas so my children and I can cook and take a warm bath.

String Of Unfortunate Events For A Single Mother

Posted by BurntAnimalCrakers on 2011-08-26 11:58:21

I am ashamed to that it has come to this. I need help so badly it seems so unreal... I don't know how it go this bad...
I am a 25 years old and I have a 2 year old, who brings such happiness to me. I rent a house for $300.00 a month. seem good deal right. That's what I thought while I was pregnant with my son. I had to move out of a apartment complex because they upped the rent to $850.00 a month for a 1bed/1bath and I still had to pay all the utilities. That was coming out way to high for me, know I had a little on on the way. I canceled my contract 3 months before it was up and I go A huge penalty bill for that, but I had no choice. I packed every thing I owned and move to a really really bad part of the city. It was 2am so I just went in with a blanked and a pillow and crashed on a couch that was left behind by some Tweakers. When I woke up I started to bawl. The front door was not Even a front door, it was a temp door that you find a a construction site. Th wall between to living room and kitchen was gone and the support beams were being held by a 2x4, The ceiling was sagging. the kitchen had water damage and the celling was dripping black water. The counter tops was pieces of plywood with wallpaper nailed to it. The bath hall bathroom was nasty like "stuff" all on the tub side wall and spoons that looked burnt? not sure on that but there were needles there. the three rooms not so bad a little drywall work and done. that master bath (if that was what was supposed to be) was backed up black mold? and something dead int the shower part. I called the lad lord and he said "you signed to contract knowing what was wrong". I reminded him of what he told me you said a LITTLE bit of work, Like little patches here and there... he told me you signed it and it said you were to fix up the house for part of the rent and pay 300 for the last bit. fine any how. the whole time I have been here it has be fixing on the house and trying to nurse a baby and work to pay the bills. 2 years down the line the roof leaks every time it rains, I landlord was so kind to replace toe swamp cooler for an AC. That gave me a $900.00 bill, because the house has so many cracks and leaks, it was cooling the out side world too. The hall bathroom tub has a cracked pipe under it and the wall around the spigot started to degrade. the cracked pipe leaks in to the master bathroom and floods part of the master bedroom. I could not pay my gas bill so I had to turn it off, but I boil our bath water to bathe. Work has slowed down so bad and I used all my unemployment to barely keep my head above the water. Now that it is gone... my rent is backed up to 1200.00 I still have to pay 900.00 for electric. I applied for food stamps but budgets had been cut back for the state that I get 150.00 for the month. so I applied for WIC and it gives us a little bit (two gal of milk, a loaf of bread, and 6.00 worth of veggies along with the cheese and peanut butter) I went and got a food box but there was not much ( a bit of pork, 6 mystery cans, and crunchy hamburger buns) all this was to last us for the month. I had to cut back to one meal a day so my son can have his 3 meals and 2 snacks. but lately I have gone with out eating but only once every two days. It hurts bad to do that. I lost 50lbs from this, I mean I looked at it positively, I kinda needed it. but my clothing dont fit any more, they hang on my body or fall off my waist and Now that winter is coming along... I cant get fall/winter clothing for my son, I am okay, I guess I have coats that work for me, He dose not fit any thing that he had last winter. I feel like I am a horrible mother, that cant even get her child clothing and I cant lose our home even tho it is old, run down, leaky, and falling apart. It is still a place that we can be safe for the elements of the outside world. I Have tried asking my mother to help us but she is having a hard time, too.
I am sorry to bother and ask y'all for some help. I am so very sorry, But I have to do what I can to help my son, so he dose not have to worry about when his next meal is or if he is going to be warm enough. I want him to say innocent as long as possible. No child should have to grow up so fast and leave their childhood behind. He is to young to know how harsh and hard the real world is. I want to see him smile over the smallest things at life, It makes all this worth it... for him. Please anything will help us. I will be so ever thankful and know that there still are people out there that have a heart and would show it to the world. Thank You for your time and Thank You for being so kind enough to read this. Thank You from the bottom of my heart.






Family donation

Posted by Dyenasti on 2011-07-15 22:58:39

Im a 23 year old father to my baby son and husband to my beautiful wife. We have been together for four years and recently had a baby boy come into our lives. Ive been on my own since 13 ive never met my father as he cheated on my mom when i was a baby and they went through a divorce. It always stuck with my mom and she lost interest in a lot of things and was depressed She abandoned me when i was about 13 and started dating a drug dealer in modesto i moved in with some of my friends and did the best to raise myself i did a lot of bad things when i was younger i had no role models and did whatever i could to survive and i never got to experience a lot of things like sports baseball football i didnt have money for equipment and stuff and no time i was always busy trying to get money for clothes i used to eat our schools one dollar lunch everyday. By the time i was 18 i met the girl of my dreams at a local movie theater she was from the philipines and was petitioned by her family and was staying with a local governement housing at the time. I started turning my life around for the positive and learned a few trades and took a few classes and workshops for building. at 19 i was working as an assistant to a private contractor i learned everything i needed to know and by the time of 20 i was doing private work myself and at 21 i got my first house with the luck of a friend who worked as a realator. We used to live in the central valley Fresno Ca to be exact and we owned a two bedroom one bath house. We had one truck was a Chevy pickup 1500 i used for work and our family car it was paid off. The economy hit hard in the central valley and many contractors went out of work and the prices of homes dropped and our home was foreclosed as we couldnt make the payment and we lost everything. We remained positive with all the negative that happened and we were homeless for a while we sleeped at a church while selling what little furniture we had from our house and save. At the time my wife was pregnant and we were ready to start our family and everything went wrong. We did what was right kept our baby and after talking we moved to the central coast there was no opportunity in the central valley as a lot of businesses went down and everything was going bad. We moved to another one of the churches branches so that i could get on my feet over in Monterey. I quickly got a job as a Server at a private restaurant after applying for many jobs i dont make much and after a few months our baby was born at this time we were able to get a one room studio its very small but rent is so expensive $750 my number one priority is my son and providing i work three days at the restaurant and on my days off i offer services on craigslist to help fix computers car detailing and early mornings i get up at 6am and go to the local home depot and look for work lots of builders go there and sometimes they need extra help. Unfortunately im younger and rarely get picked compared to older because they dont think im experienced i was lucky to get a few jobs though as side work past few months. My wife stays home and cares for the baby since we have no family to help out she cant work at this time. Im doing my best to provide we have no tv no internet no computer nothing except a bed crib a few cooking supplies and a fridge ironing board and iron but were content. But sometimes work is slow and we had no money for food and we have gone to local shelters for food. We mostely eat rice and pastas since its cheap. We only buy expensive foods for the baby and only have cell phones. I had to sell my truck a while back and have recently got an old small honda i cant even afford to put tires on at this time. Im doing my best and taking day to day with the hope something good will happenen. Work is slow and i have no family at all and my wifes family is very poor in the philipines. I did my best to sumarize my life and try to prove i am a real person in a real situation and im in need at this time. Any and everything helps. My family thanks you.

Nearly Destitute

Posted by tleevz1 on 2011-06-16 01:58:13

My problem started in July 2010. I was involved in an auto accident. I rear-ended a woman, who in turn rear-ended the person in front of her. The reason it happened was that the person in front of me hit their gas and got over to an open spot in the lane to my left. This move was so fast I didn't have room to either side and I saw the reason that driver moved was the cars in front of him or her were at a dead stop. We were traveling uphill so I was unable to see past the car and I had no idea people were stopped. I had less than a second to hit my brakes. Luckily no body was injured.

Here is where the story gets ugly. My mom had paid my auto insurance but she lost her job so I started to pay the premiums. I told my insurance agent to automatically deduct the premium and I gave her my bank information. So I was under the impression I had insurance. I did not. The agent only charged me for one month's premium and never set up the automatic deduction. Great. But there seemed to be a silver lining...the two other vehicles involved in the accident drove away before the police arrived. I did not get a ticket, I was completely sober and cooperative, and the police were surprised two victims of an accident would just drive away. Both parties got all of my information, they drove away before I got theirs. At the time of the accident I wasn't worried because I thought I had insurance.
When I called my agent I was informed that my policy lapsed because I hadn't paid my monthly premium.

I was curious if the fact that both of these people drove away would take the heat off of me. The police thought this was possible, after all, how can they prove they didn't smash up their vehicles further after they drove away to get more insurance money?

It gets worse. I left my job a few years ago because I had a job all but promised to me in Denver. Obviously, I didn't get the job in Denver. Not sure why, I aced the interview. So with no steady income (I was used to making about 42k yearly) I held hope I'd land a good job and had no choice to but to survive on a credit card for food and gas. That good job never came along. I ended up working overnights as a nurse assistant in the mental health unit. I've been drowning in debt, I had to get a car from what some consider a predatory lending car lot. I lost the hospital job in April for 'misconduct' (I worked nights and someone reported that I was sleeping, I wasn't but they didn't believe me so now I don't qualify for unemployment.) So, no income to pay for that vehicle and it got repossessed. But the best part is I got a letter in January 2011 stating that I owe one of the parties involved in the accident around 5k. I don't have it. If I had the money I would write both of the drivers involved in that accident fat checks right now, but I simply do not have the resources. The letter from the state dept of transportation stated that my license would be suspended unless I came up with the money. So I called the agency, and from my conversation with the state employee it sounded like my case would be reviewed. Nope. A collection agency sent me a letter saying in total I owe nearly 35k for the two cars and my credit cards.

In February I was on my way to a friend's house and I was pulled over because my temp tags were expired. The officer ran my license and I was handcuffed and taken to jail. I have never been arrested, and my driving record is excellent. The officer even thought it was silly. Regardless, now I have a court date in early July and I have the public defender taking my case. He said I either need to pay $1000 fine, or spend a minimum of 2 days in jail. So it looks as if I will be in jail at least 2 days because I have no money. Being without a vehicle is no picnic. My job search is limited to places on a bus route close to my home in Kansas City. I have no friends or family with that kind of money. I am not a drug addict, or a criminal. My career tanked, and I've kept falling through the cracks. I stay positive and I love life, but the anxiety and absence of pride in my life are making me isolate more. I can't afford to do anything. Luckily my brother is letting me stay in a spare room at his place or I may be homeless. I am a hard worker, I have a bachelor's degree, and I am a pleasant person to work with. But I have no car, no money, horrible credit, and bleak job prospects. Please do not think I feel sorry for myself. I've made stupid decisions that got me where I am. I take responsibility for putting myself in situations where these things happened. And especially for not paying attention to my financial obligations (the insurance premium). That being said, all I can do is look forward and do the best I can to get back on my feet. At this moment I feel like a wet puppy who is trying unsuccessfully to jump out of the tub during a bath. I need help. I don't know who to turn to. I've wanted to volunteer at some places to meet people and network but without a vehicle and a suspended license I can't even volunteer at most places. Please, if anyone can help, contact me with suggestions. I desperately need to file for bankruptcy but that costs around 1,800.00 and I can't afford that.

I also have around 27k in student loan debt. That debt along with the approximately 35k in unsecured debt leaves me with a very large amount of money that I have no realistic chance of paying back. The student loans will not be affected if I file for bankruptcy. Which is fine. As a matter of pride and doing what is right I don't like that my debts can simply be written off, but that is seemingly my only option. I would love to volunteer for a charity of my debtor's choosing to start to contribute something, but that proposal often times ends up sounding like a mutated version of indentured servitude.

I apologize for the rambling. This is the first time I have ever written all of this down at once and I feel better.

Thank you for your time.

Room & Board for Housework - SW VA

Posted by Mr-K on 2011-03-10 22:58:03

Large BR w/private bath in 1800 sq ft, modern, two story home located in Radford/Montgomery County, Virginia. Washer & Dryer, cable, air, internet, storage, lg yard, laid back & drama free.

More info @ www.tdkrantz.com