Chapter Tags

Hello
Me and my girlfriend are 19 and 21 and we just moved out of our parents and to another state. I just received a minimum wage job and we don't have much at all, we would like to get a place of our own put here and are trying to maintain car maintenence. I would also like to get her a now ring to propose to her. Anything would help us start the next chapter in our lives. Thanks god bless.

good Morning
I jsut can't get refiniace or get modification because of this bank just want! I througt we are suppose to be protect from bad lener like this BUT NOT!
I have been asking for help from this predatory lender Rochester Home Equity which no one heard of this company. I have filed a complaint against RHE with Department of Financial Services and the reply was I can not get any help from them because my case is in court yes I know that it's been in court for 2 Years and i am not getting anywhere, I know that Jay Gelb the owner of Rochester Home equity is a millionaire, I just can't bet this lender and it's not fair that Mr. Gelb is going to take my houses and won't do a modification, and it's so sad that Mr. Gelb from Rochester Home Equity taking advance of low income people, I just want to know how many other victims is out there and couldn't get any help from anyone to help them before it was to late and everything they work for is GONE. My problem is I am being counsel by my lawyer but again it's has been a on gowning problem with Rochester Home Equity, all we been asking is for Rochester Home equity to TAKE my mother house off the lien that didn't have any mortgage on the 48 Homewood Ave my mother left me and my brother and do modification my house on 43 Twiller St. Rochester Home Equity is just giving us a hard time. As of right now I am debt with my lawyer for $10,000.00 that money I don't have because going to court and trying to do modification and we are not getting anywhere with this lender. I am so tried that Rochester Home Equity want reply to any thing that my lawyer is asking. I just want RHE this predatory lender just take my mother home that she left me and my brother off the lien that didn't have any mortgage on the home and work with my home that is worth $136,000.00 I brought the house I live in for $130,000.00 and my rate is 12.5 percent don't you think that a very HIGH rate. Yes I am bennig counsel by a lawyer as i stated my lawyer is not getting anywhere with this Rochester Home Equity. All I am asking you for help and step in because what RHE is doing is wrong and like I stated NO one cares what happen to me and other people that the lender is doing to us and hurting people too. Now I will be going into Chapter 13 because I don't want to lose my homes, and RHE this Predatory Lender just don't care ONLY wants both houses. So can you PLEASE step into this matter! It's a big problem as you see what have happen to me. Me and my lawyer just want Rochester Home Equity is take my mother home off the lien and work with the new modification and redo my loan, but that's not going to happen so that is why I am pleading with you ASAP to save my houses. Again Please take a close look at me statement again.
I am also going to email you all the my document to you. And hope you can find out that i have been taking advance of all i am asking if you can take your time and read what i am sending you, and again i am just asking for this lender to take my mother house off the lien and let me do modifcation as i been trying to do. I have got sick with CHF i ask the lender that i am not making money because of my health can they do a modification on my home and again the answer was NO.Please look into my case PLEASE.

Thank you
T

I'm a 56 year old married woman who has been on social security disability for over 10 years.

In 2006 my husband and I were finally able to put a down payment on our home. This was my first home purchase and I was ecstatic. Chances are we probably shouldn't have qualified for this house, but the lending predators made sure we did.

Long story short, we are now into our second year of chapter 13 bankruptcy. While helping our youngest daughter with college expenses and other unexpected expenses we have fallen behind on our mortgage. I've have been paying what I can but it's not enough.

Everyday my stomach is in knots not knowing whether a motion is going to be filed to take our home away. We've worked hard for what we have, and if we lose it now, we will never be able to purchase again. We love our home.

If gives me pleasure to see my husband putter around in his front and back yard knowing that its the only joy he has aside from his stressful job and poor health. I think it would hurt me more knowing how it would break him to lose that serenity.

I know by next year we will be in a much better financial place, but right now we could use all the help we could get.

Thank you in advance.

The Winnfield Senior High School FCCLA Chapter will have one student, Javonti Thomas, attending the National Leadership Conference in Orlando, Florida. He was elected 2012- 2013 Louisiana State Vice-President of Community Service. He is the first state FCCLA officer since 1975. We are proud of Javonti for his achievements and his continued efforts to bring favorable recognition to our school, community, and state. We are requesting financial contributions to assist in sending him to Nationals. The total cost will be $1715.00. Your contribution will be greatly appreciated. Thank you for your time.

I was laid off from my job in February and since then my school tuition payments have not been made. I have a balance of 1,000 dollars on my account. I will not be allowed to walk in the graduation ceremony or get my diploma until this is paid. It has taken me 7 years to finish this and I want to participate in the graduation ceremony. If you are able and would like to help me please contact me ASAP. My request is legitamate and all information can be provided. Donations can be made to my Paypal account or directly to the school. Serious responses only and no scammers please. Please help me complete this chapter of my life. Thanks.

I was laid off from my job in February and since then my school tuition payments have not been made. I have a balance of 1,000 dollars on my account. I will not be allowed to walk in the graduation ceremony or get my diploma until this is paid. It has taken me 7 years to finish this and I want to participate in the graduation ceremony. If you are able and would like to help me please contact me ASAP. My request is legitamate and all information can be provided. Donations can be made to my Paypal account or directly to the school. Serious responses only and no scammers please. Please help me complete this chapter of my life. Thanks.

Hello! Here's my story...

A few years ago, right after I returned from Iraq and got out of the Army, my wife filed for divorce and took our daughter to another State. I was left with the house and steadily increasing credit card debt as I tried to pay my bills and keep up with child support and alimony. Finally I couldn't do it anymore, and had to declare Chapter 13 bankruptcy. The bank forclosed on my home and the court assigned me a monthly bankruptcy payment. I've been able to stop the massive slide into deeper debt thanks to the bankruptcy, but am still barely keeping my head above water. Every month is still a struggle to make ends meet. I basically get two chances to see my daughter per year, one month in the summer and once at Christmas. Last Christmas I couldn't even afford a plane ticket to see my little girl, which really hurt, and I have no idea how I'm going to come up with the money to see her this summer.

Any donations will be greatly appreciated, and someday I promise to pay it forward. God bless.

Hi, my name is Kendra Lynn S. I'm 22 and living in Kansas City, MO. I'm originally from Ashland, KY but I moved to Missouri in August of 2011 to live with my aunt and work for her husband. I needed a change and needed to get away from a life that was killing me in Kentucky. I miss it sometimes and I miss my friends, but I met an amazing man here who loves me with all his heart and I plan to marry him and spend forever with him. We don't have a lot of money but we are getting by, we're just happy to be together. I work 2 jobs and he works full time at a bank, but we're having trouble raising money for a huge step in our wedding planning: I have to declare chapter 7 bankruptcy.
I have $10,043 in medical bill debt from an accident in January 2010 where someone hit me with a 4-wheeler, putting me in a coma for 2 months and then physical therapy and rehab after that. The original bill was $200,000 for the medical costs, but I received a scholarship to cover 95% of the cost because I didn't have health insurance at the time. While I was in a coma, I lost my apartment, fell behind on payments on my school loans, and my bills were sent to collections. Ashland Kentucky is a small town, and we're kind of a small family so I didn't want to press charges on the person who hit me. But when I met my fiancé and we started talking about marriage, I discussed my situation with a lawyer to determine what I should do.
We want to be able to buy a house in the future, but with this debt the lawyer was afraid that my credit will hinder that. The lawyer was also afraid that since my bills are in collections that if I get married that the creditors would seize my fiancé’s assets. My fiancé doesn't have much, but we are sharing his truck since I lost my car and if the creditors took his truck we'd be out the $10,000 remaining on the truck loan and without a vehicle. I decided I would try to press charges just for the cost of filing bankruptcy, but the person who hit me was the sheriff’s son. No police report was ever filed. Small town politics are good in most situations. This is not one of them.
The lawyer tried to do what he could, but Kentucky’s statute of limitations for filing suit against someone is 1 year. By the time I decided I needed to sue, it was too late. So I’m stuck with a bill I can’t pay and it’s the only thing keeping me from marrying the man I love. My mother is a medical transcriptionist in West Virginia, and she’s barely making enough to support herself and her boyfriend so I can’t ask her for help. My father has been in prison my entire life so I don’t really have anyone to turn to for assistance with this. My fiancé’s parents have been very helpful, but they only have so much to help with and they can’t assist us with the bankruptcy.
Me and Trey (my fiancé) are paying for the wedding and the honeymoon entirely by ourselves, on top of keeping up with rent and truck payments and regular bills. Like I said, we’re happy and we’re doing okay living a humble lifestyle. Other people have it worse, I get that and I’m grateful for the love I’ve found and the life I get to spend with him. We wanted to get married in June, but at the rate we’re able to save towards the cost of filing bankruptcy, it could be next year before we could get married, and neither of us want to wait that long.
I already spoke to 1 lawyer and was quoted $1500, two payments of $750. Our finances are so carefully budgeted that and stretched so thin that we just can't do that. My fiancé has stopped eating breakfast and lunch to save money, started riding his bike to work and is doing everything he can to save money. We’ve set aside $300 towards the filing cost. It’s taken us 4 months to do that. We intended on using our tax returns to file, but mine was taken by the creditors and we used his to try to get ahead on our bills. So here’s what I’m asking: any donation towards the cost of filing my bankruptcy would be a huge blessing right now. Some members of our church have offered to assist us, and someone referred us to this site. I
think it’s a great thing that people are willing to help complete strangers out and I wish that I had the resources to help others at this time. We’ve already agreed that we will do whatever we can to help others in need on this site once we can start setting more money aside once we’re married. But right now, I need $1200 total to cover the cost of my bankruptcy, so any donation towards that would be a blessing. Thank you for taking the time to read my story, God Bless!

Filed and completed a Chapter 7 bankruptcy in Jan 2005. Thought that would get me back on my feet. Was affected by Katrina in Aug 2005. Bills and recovery from the hurricane started snowballing and adding up. Lost majority of the house items due to a fallen tree through the roof. Just couldnt catch a break. Managed to get another house even with the bankruptcy, which eventually was foreclosed on. Struggled thru years of money issues and still managed to give 100% to the military. Retired in 2007. Retired pay, nearly half, new it was coming but didnt sink in til it was done. Rated 60% disabled thru the VA. Currently helping 21 year old daughter with cell, auto, and insur, as she attends college. Sadly we are unable to help our 23 year old in college with anything. Luckily, she is very independant and understanding, but the guilt is unbearable. Currently attempting to support our family now including my 18 year old step son with a truck, insur, gas. Wife is out of work. Not enough cs money for food which is supposed to help son from his deadbeat father. Need help to get caught up/ahead, pay off medical bills, and common utilities. Been a very long while since we've had a time to sigh and not have a heavy load on our shoulders. My 21 year old has blessed us with our grand daughter but we can only do so much to help them, nothing extra. We manage to appear happy and the things we do have is it. Have rearranged bills in every way possible and yet again, money spent before the deposit. Any amount would be appreciated. We just need a breather. Please.

I am a fighter. My story is a long one with many trials and tribulations; perhaps not much different or worse than others, I am not sure. My name is Elizabeth Newton and I live in Loveland, Colorado; the Sweetheart City and Gateway to the Rockies. I was raised by both parents in a middle class environment. I am the oldest of four, in which, three are brothers. I was a creative child who staged puppet shows and created clubs in our neighborhood. I am not sure if you remember the fuzzy sticky feet, but I made my own with left over pieces of carpet and sold them to my friends.
Moving on, I really struggled in school and got into a lot trouble. I was reckless, promiscuous, used drugs and alcohol and was dangerous. To keep it short, I dropped out in my junior year. When I reflect on those years, I remember some of what I did but mostly I forgot. I guess I felt as though I was being pulled by the strings of a puppet master whose name I now know is Bipolar.
When I turned 18 I shared an apartment with a friend. We both worked for the same nursing home and later for the Bureau of Reclamation. In was at the former job, I received my GED. I was still behaving recklessly resulting in a lot of missed work. But I was having fun being independent, partying all night but slowly losing control of my life.
I became pregnant by my boyfriend and we married several months later. My daughter is a grown woman. I then had another child four years later. Money was also a struggle. My husband wanted me to work but it did not make sense financially. I paid more for daycare then I was paid. When I found a position over the weekends, my husband refused to watch the children. That being said, I was still reckless – the mood would not go away – still a slave of the puppet master. Eventually the relationship became abusive and my husband left leaving $200 on the kitchen table. I did not have a car so I borrowed my father’s truck. I drove my father’s truck with my two small children in back to a safe house. However, it was not so safe. My husband who insulated homes, worked on the safe house. He found the truck and wrote things, I cannot mention here, on the outside of the truck. He coerced my grandmother to call me; and she did! Having to deal with these distractions kept me from focusing on me.
Good news! I was able to move into low income housing. It was a struggle to get my possessions; I took what I could. My father out of the blue wanted his truck back. My mother headed him off at the pass. I think I remember that my life settled down a bit. I enrolled in college. I loved college. In spite of this, I quit school to work from my mother at her computer store. Did I mention my parents were divorced? I am not sure it matters at this point. About six months later, the puppet master caught me and off I was again.
I had a boyfriend – I was 32 years old – and pregnant again…..This relationship was worse that the first. It included drinking, drugs, sexual and physical abuse – oh my, sigh. In the course of it all, I secured a position for one of the largest companies in Loveland. I was thrilled. I had actually come a long way. I divorced my second husband and found my own apartment.
Wow – raising three children on my own was not easy. We got by – I was able to provide what we needed. I forgot to mention I shared custody of my third child and had to pay child support. I never complained; I met my responsibility. I was performing very well at work and procured a position of a trainer. WeeHee – my new position allowed me to travel the globe. Can you imagine, me, the girl from Loveland, Colorado? During this time, I encountered a lot of problems with my ex-husband. Once, he called me at work and said he had a brain tumor. It was a joke; I did not find it funny.
I was promoted again returned to school and bought a house!!! I cannot think of the words to describe these accomplishments. I transformed from the woman driving my father’s truck to a home owner; kind of like the Home Sweet Home book. I was still partying, drinking, but not like before. The puppet master must have been on holiday. I met the man of my dreams and we married in 1998 (I think). We are still together.
The puppet master had those strings a rolling. I could and did accomplish anything. I could see what others could not. I finished school with ease and received my BA in Organization Development in 2005. What year did my story start? We bought a new home in a nice neighborhood. It is a modest home but fits us very well. I was still partying but it was not disrupting my work and home responsibilities.
CRASH! He let go – how could he let go? A woman pulled in front of us and totaled our car. I realize this does not sound traumatic, does it? I really do not know anymore. What I do know is this rocked my world. More than any other event did – and there were many. I could not recover. My performance fell down the well. I could not sleep. I drank a lot. I would even get up at night to drink because I could not sleep. The unthinkable happened. My strings let me down. I swallowed a bottle of pills. I was so afraid. I spent three days in the psychiatric hospital and two months in intensive outpatient therapy. During this time I was on short term disability. I am a fighter; I have never let my circumstances stop me. I returned to work for about two months. Nevertheless, the strings dropped again, were they ever pulled, I am not sure; I spent eight days in hospital. I was out of work again. This time when I returned to work there was no position waiting for me. I was laid off the summer of 2009. I lost it all in one short year.
Remember I am a fighter. I returned to school in July 2009 to obtain a masters degree and I graduated in early 2011. The problem? I obtained a degree and I could not use without further education. I still do not say this out loud. During this time, I landed a part time job as an instructor for students seeking their AAS Human Resources degree. I make a third of the salary I previously did. I have performed this job since April 2010. It is hard. I forget – my memory is not that good. What you have reading are the highlights of my life.
Adult children and BABIES!! Not one baby; two and a one year old. My daughter was in a bad situation in Arizona. She was pregnant with twins, had a one year old daughter, had no car and was being evicted. The dad? Let’s say there is a lot to be desired. She packed as much as she could and moved in with us. Would anyone turn a loved one away in this situation? I could not. I was still drinking. As I write this, I now realize drinking was the one constant in my life. Sad. Her pregnancy had it challenges, but I think this is common. The first snowstorm of the year, December 30th, if you can believe that for Colorado, the babies had enough; my daughter was in labor. We called 911 since the roads were bad. Several hours later we welcomed two healthy baby girls! They will be one year old soon.
New Chapter. How many do we get? My daughter and 18 year old son live with us in our modest home. We clash, how we could not. I have been telling my doctor that I am depressed, damn strings. I can’t sleep and my body hurts so badly; especially when I lay down. Oh, I forgot to mention, no drinking! I quit over a year ago. Regrettably the depression and pain are driving my every moment. I think the puppet master is on vacation. There is no hope. I have been out of work too long. We are waiting for the repo man to get our car. We are barely holding on to the house. How can everything crash so fast and so hard? I am a fighter remember. My mind is full of hopelessness. I have a note that says “Please just let me go”. I am a fighter remember. I call the crisis line. They tell me to call 911. I don’t. I go to bed. Maybe it will be better tomorrow. Not a chance. The same message is repeating over and over in my head; “please let me go”. I tell my family I am driving to the hospital. I do not want anyone to come with me. I go alone.
Hospital

Hello, My name is Danny and I am married with two kids. On 8/31/2011 our world came crashing down when I was laid off as the Operations Manager for a major financial company in Dallas Texas. I am 35 years old and started with this company out of highschool and worked my way up. One week later my wife was laid off as her company filed Chapter 11, therefore she also lost her 401K. We are drowning, I dont know where else to turn. Since we were both in the mortgage servicing industry, there is nothing out there. We have both been on countless interviews; however no offers. We have even attempted to take lower position but we are told we are over qualified. We need money, My unemployment insurance has ran out, I have sold my car, were in foreclosure... This is hard to even say... We would have never thought we would be in this position. Please, if you have any extra money, I promise once back on our feet we will donate more than we have ever in the past. We figure we have 2 more months in our house and would like to have electricity, gas and at least one phone. Thanks.

Yes, I am begging, I don't want to but i need to humble myself. I have 15 credits so far and a 4.0 GPA. I am working on another 3 credits, but I am short 311.00 to finish paying for it. I also had to drop my next class, because i do not have the money. I left a full time job when my husband transferred back to his hometown. I have not been able to get employment. We had to file chapter 13 (have to pay his child support), so I can not get a loan. Stafford loans do not cover it all, and I did not get a pell grant. The course I gave up costs 1242.00 for 3 credits, plus books. I am trying so hard! Please help if you can. Thank You!

PLEASE EXCUSE MY INTERUPTION!!

My name is Ronald Alano. My wife Kathi and I are in A very bad way.

Please let me explain. My wife's unemployment ran out just as she needed a dead kidney removed. I was terminated from my 10 year professional job due to down sizing at the same time. I was her nurse up the time of her operation. She had to have her bag cleaned and changed daily. Her operation was put on hold till we could scrape up enough money to pay a month of Cobra to cover her surgery. This took 2 months. She has recovered wonderfully.

We have both been unable to obtain employment. We were evicted from our rental because we were unable to make rent for 8 months. We owe taxes, hospital bills, vehicle payments, utility payments. We have one vehicle that is on a title loan without even minimum insurance coverage. We are receiving food stamps. We have spent many hours in the pantry lines. We are currently staying with Kathi's son till we can get employment.

My wages are being garnished due to unpaid medical bills. I cannot even work a McDonald's because I would only make enough to cover gas. I am a hard working and dedicated person. I have spent many days and hours applying and sending resumes to a multitude of job prospects. I have only had 2 interviews that have not panned out. We are trying to get Kathi's drivers license, but can't even afford the 20.00 to pay for that.

It really hurts to have to tell our life's story to try and get any help. We have gone through all the channels for help. We have given to United Way all the time we were employed. They would only help with 250.00 towards rent, but we owe over 7,000.00 in rent. They only offered 150.00 towards utilities and we owe a couple of thousand on them. To chapter 8 housing is a waiting period of over a year and a half. We have no relatives who can help.

We just can't find a way to start digging out. We have recently found salvation in our Lord Jesus Christ. We attend a small Christian church where we attend Sunday services, Wednesday night services, and Tuesday night Bible study. We are just asking someone who is more fortunate than us for any help.

If you read this, God Bless You in His Son's Name Jesus Christ!

Ron and Kathi Alano
816-808-7832
ronalano@yahoo.com

PLEASE EXCUSE MY INTERUPTION!!

My name is Ronald Alano. My wife Kathi and I are in A very bad way.

Please let me explain. My wife's unemployment ran out just as she needed a dead kidney removed. I was terminated from my 10 year professional job due to down sizing at the same time. I was her nurse up the time of her operation. She had to have her bag cleaned and changed daily. Her operation was put on hold till we could scrape up enough money to pay a month of Cobra to cover her surgery. This took 2 months. She has recovered wonderfully.

We have both been unable to obtain employment. We were evicted from our rental because we were unable to make rent for 8 months. We owe taxes, hospital bills, vehicle payments, utility payments. We have one vehicle that is on a title loan without even minimum insurance coverage. We are receiving food stamps. We have spent many hours in the pantry lines. We are currently staying with Kathi's son till we can get employment.

My wages are being garnished due to unpaid medical bills. I cannot even work a McDonald's because I would only make enough to cover gas. I am a hard working and dedicated person. I have spent many days and hours applying and sending resumes to a multitude of job prospects. I have only had 2 interviews that have not panned out. We are trying to get Kathi's drivers license, but can't even afford the 20.00 to pay for that.

It really hurts to have to tell our life's story to try and get any help. We have gone through all the channels for help. We have given to United Way all the time we were employed. They would only help with 250.00 towards rent, but we owe over 7,000.00 in rent. They only offered 150.00 towards utilities and we owe a couple of thousand on them. To chapter 8 housing is a waiting period of over a year and a half. We have no relatives who can help.

We just can't find a way to start digging out. We have recently found salvation in our Lord Jesus Christ. We attend a small Christian church where we attend Sunday services, Wednesday night services, and Tuesday night Bible study. We are just asking someone who is more fortunate than us for any help.

If you read this, God Bless You in His Son's Name Jesus Christ!

Ron and Kathi Alano
816-808-7832
ronalano@yahoo.com

being aloneis not easy but being homeless is not easy eaher I wuld like to share with you my story on my first ebook. hint the hardest part to write was thefirst chapter.

Sunday at church I was overwhelmed with emotions and couldn’t control my tears as I heard the choir and sang along with them. I was hoping God would hear me because my husband, family, and I are in such a hopeless financial situation that there is nowhere to turn and we can’t live normal lives due to our debt.

We struggle to buy grocer everyday and keep our children in school. We don’t even have enough for the fees for them to start on august 1st. All fees must be paid by July 27th or they won’t be able to attend. This is a public school. My husband has always had a full time job and many times he’s had two jobs. I work part time when I can and home school my smaller children.

We only have one old van so I take everyone to school, work, etc. We have nine children. Two are on their own with families. Seven still live at home. Two of them have families. One son was laid off of his job last month and had to move back in with us. He has been desperately trying to find a job but nothing has come in yet. One our sons got into some trouble and we tried to help him but it’s escalated and he’s ended up in trouble with the law. My husband and I tried financially to help keep him afloat, including getting a car for him in our name. Our son lost his job because of all of the trouble and we were left paying his car until it was repossessed. Now we are paying for a car we don’t have. Paying lawyers, court fees, bonds, and so much more has drained us.

We started getting loans on our wedding rings and many items in our home. We couldn’t keep up with the interest due every month and normal bills. We took out payday loans. What a mistake! Our banks became horribly overdrawn. We filed a Chapter 13 in hope of saving ourselves. We had filed before when we were younger and first married. We didn’t know any better and made huge mistakes. Our 13 now has us paying such a huge amount of $1,200 a month that we fell behind immediately because of the other debt.

Our son’s troubles have kept us from paying our debt and just being able to live. Our son is innocent. That’s why we continue to stand by him, it breaks our heart to think of him going to jail for something he didn’t do. Our Chapter 13 is going to dismiss us if we can’s pay what we’re behind. It’s almost $5,000. Our Xcel bill is going to be turned off. We owe Xcel $4,000, and our water bill is $400 and ready to be turned off also. We will be behind $1,500 on our rent by this Friday. We’re being sued for almost a thousand dollars for a pizza check that was returned by our bank. We can’t buy groceries and gas for us to get to work. We’ve been getting small loans on our children’s items to help get small amounts of food.

We’re so embarrassed. We don’t have any family who can help and we haven’t kept in touch with friends. We’re always busy with our family so we don’t have time to socialize. We feel so sorry for our children. They had to be embarrasses all of last year at school because we stilled owed fees and they couldn’t participate in school activities. They are trying to work jobs while attending school but we are so far behind that we just can’t catch up.

People who know us think we have no problems, especially financially, but we are so depressed and sad. We can’t sleep or function in our everyday lives. It has affected our whole family and it is tearing us apart. We have lost the respect of our older children because we couldn’t keep our selves together financially. Please, if you’re reading my letter, if you can help in any way, or know someone who can help, please help us. We’re good people who work hard but are guilty of having big hearts. We’ve been married for 32 years. We don’t drink, smoke, do drugs, go out, or party in any way. We believe in God and hope our prayers and faith will get us through this.

My family and I need help. We don’t know where to turn and the depression making us sick. Especially my husband. We’re going through the motions of living but were not. Please help us and our children so we can get our lives on track and start living and enjoying life. We will find a way to repay as much as possible as soon as we can.

Sincerely,
A person who is in need for her family.

I have started photography about 2 years ago, and it has grown to be my passion. I am looking to open up a photo gallery with some of my photos in San Diego, California, to bring more art and culture to people. My family and I are moving there from Las Vegas to start a new chapter.

The money would be used to buy new camera equipment and operational money to run and market the gallery.

My wife and I like to give our time to help people, so part of the sales will go towards, children with mental and physical disabilities. There is a place down here in Las Vegas called: Opportunity Village. If you Google it, it will give you an idea of the great things the people are doing for these disadvantaged kids. And I would like to contribute to things like that through my photography.

I lost my home to forclosure and am in chapter 13 bankruptcy paying $800 a month for the next 6 years. Now my wife is leaving me and taking our wonderful 10 yr old son with her. I need money for divorce and to keep my son. Shes had a Facebook boyfriend thats paying for her divorce cost.Im losing my entire life and i cant do anything about it without help plz i love my son dearly.

For the past 4 years I have been attempting to keep my home of 20+ years.

I was a victim of the bad mortgages and eventually ended up filing Chapter 13 Bankruptcy to halt the sale of my home2 1/2 years ago. During this time the mortgage company has dragged out the loan modification. First it was approved, the cancelled, then redone. I have been paying the mortgage as well as the BK fee and during the last 6 months. I had to take out payday loans to maintain my payments. Now the payday loand have swallowed me. I wasn't able to make last month or this months BK payment. As of today I've sold everything that I have been able to sell. I need at least $2,800 to catch up my BK payments. I've already paid $20k to the BK courts over the past year and don't want to lose everything because of the mortgage company. At this point I was waiting for the BK trustree to approve the modification, but by being behind, my case is about to be dismissed and I will lose everything, the $20k I've already paid, my home, my car, evertyhing. If there is someone out there that could find it in there heart to assist me, it would be more than appreciated and I would be in debt to you for life. Thank you for considering my request and God bless.

Hello, I have just recently medically retired from the Marine Corps after 13 years of faithful service. I am a mother, a wife, a daughter, a sister and a friend. However lately, with all the changes I have had to endure, I have felt invisible. I injured my back during martial arts training and didnt seek the medical attention I needed until it was too late. I had even gotten to half way of my Marine Corps Marathon training but had to stop due to numbness and tingling in the feet. Once I finally did try to get the medical attention I needed, I was told I had a somatoform disorder, which means the pain is all in my head and not in my body at all. After seeing a Navy shrink I was told I had a personality disorder and he submitted a Administrative discharge request to my Commanding Officer, I was devastated. I loved the Marine Corps and everything that came with it. I had no intentions of leaving it and only wanted to get better and seek proper care. Instead of getting the help I needed medically, I had to fight to keep my career and lively hood. After further tests, I was diagnosed with Fibromyalgia, a pinched nerve, carpal tunnel in both wrists and buldging discs. I had to be seperated medically. Depression is not even close to the word to describe what I fell into. My goal-dream was to be a Drill Instuctor, fight a good fight over seas and put in 20 years. In the blink of an eye it was all gone. Now I had to let go of my aspirations of what could have been and now try to figure out what I was good for now. A little bit about my self:I was raised in Austin, Texas by my maternal grandparents, left by my biological mother at 15 days old on Christmas Day 1975. I endured a strict upbringing and borderline abuse, much due to my grandmother’s fear of becoming my "mothers, daughter". I have never known who my father is and doubt he knows I even exist. I had been the witness and the victim of neglect and child abuse by my mother who was and is still heavily into alcohol and drugs. She had two more daughters in which I helped raise up until they were left in another state with relatives. It was then that I left to the Marine Corps at the age of 19, mostly to find myself and forget myself. During one tour in California, I was made aware that one of my sisters, 7 years my junior, was in need of my help due to abuse from the relative she was left with. An uncle who had abused her from the age of 6 until she was 12. I took emergency leave and went to get her, I already married with a newborn, and I knew I had to lend a hand and help. The abuse and trauma was too severe and the state of California took custody of her after a failed suicide attempt in her high school. I continued my military service until I received yet another call, this time for my youngest sister, 12 years my junior, was in states custody and if I could provide a stable home for her. I was now a single mother of a 4 year old and still an active duty Marine, but again, could not turn my back on the need she had. I put in the time and the effort, attending family counseling 5hours away and meeting with doctors and lawyers to get the process started to get her into a stable situation. Finally at the age of 14 she was placed with me and I was granted custody. I enrolled her in to high school and away we went onward and upward in our life. It was not close to "traditional" but we had each other and that was more than what most have. I received orders to Japan for 3 years accompanied and although I had reservations about the huge change I took it in stride. I had pleaded my case to the Marines about staying until my sister graduated in 2years but at the need of the Corps I was sent anyway. In Japan, after only being there for about 6months, my sister started to self mutilate again. With that the military sent me back to my previous base and committed her to a hospital immediately. After a 30 day stay and with support and guidance she eventually got to a place where she could receive the help she needed to heal. She graduated from high school and is now in the medical field working full time and engaged. After that chapter closed the new one with my medical mishaps in the Corps started full force. I am not one to really get or ask for help, and have been in the business of giving but I am hoping now in the oddest of places, maybe I can, with my story inspire someone to pay it forward and lend a hand. I thank any donation and appreciate any amounts. I am trying to start my own resale shop online and hope with some assistance I can get to a better place in my life as sometimes the future seems real dim. Thank you in advance and God bless.

My wife and I are gamefully employed. She is a teacher in specal education. I am electronics technician. This past year I had to change jobs for purely moral and personal reasons, but at a pay cut. This pay reduction resulted in us having to file chapter 13 to save our home in September. In November our 9 year old daughter got ill and did not recover until this week. My daughter has been unable to attend school from November 26th 2010 until now February 2011. She will return to school February 7th. My wife and I both had to take off time from work, that we could not be paid for, to stay home with our little girl. Our family budget was already stretched with the $1200 per month bankruptcy payment, but with the added strain of prescriptions and the high deductable of our health insurance, we are thousands behind.
I am begging for help. Help to the tune of $12,480.56 Please help us.

My wife and I are gamefully employed. She is a teacher in specal education. I am electronics technician. This past year I had to change jobs for purely moral and personal reasons, but at a pay cut. This pay reduction resulted in us having to file chapter 13 to save our home in September. In November our 9 year old daughter got ill and did not recover until this week. My daughter has been unable to attend school from November 26th 2010 until now February 2011. She will return to school February 7th. My wife and I both had to take off time from work, that we could not be paid for, to stay home with our little girl. Our family budget was already stretched with the $1200 per month bankruptcy payment, but with the added strain of prescriptions and the high deductable of our health insurance, we are thousands behind.
I am begging for help. Help to the tune of $12,480.56 Please help us.

My wife and I are gamefully employed. She is a teacher in specal education. I am electronics technician. This past year I had to change jobs for purely moral and personal reasons, but at a pay cut. This pay reduction resulted in us having to file chapter 13 to save our home in September. In November our 9 year old daughter got ill and did not recover until this week. My daughter has been unable to attend school from November 26th 2010 until now February 2011. She will return to school February 7th. My wife and I both had to take off time from work, that we could not be paid for, to stay home with our little girl. Our family budget was already stretched with the $1200 per month bankruptcy payment, but with the added strain of prescriptions and the high deductable of our health insurance, we are thousands behind.
I am begging for help. Help to the tune of $12,480.56 Please help us.

My wife and I are gamefully employed. She is a teacher in specal education. I am electronics technician. This past year I had to change jobs for purely moral and personal reasons, but at a pay cut. This pay reduction resulted in us having to file chapter 13 to save our home in September. In November our 9 year old daughter got ill and did not recover until this week. My daughter has been unable to attend school from November 26th 2010 until now February 2011. She will return to school February 7th. My wife and I both had to take off time from work, that we could not be paid for, to stay home with our little girl. Our family budget was already stretched with the $1200 per month bankruptcy payment, but with the added strain of prescriptions and the high deductable of our health insurance, we are thousands behind.
I am begging for help. Help to the tune of $12,480.56 Please help us.

Hello,
Let me start by saying thank you for even visiting a site like this and taking the time to read my post. I wish things were different in my life and I did not have to resort to asking strangers for help… But I don’t know what else to do. I’m not asking for a total resolution to all my financial problems… we all have them… I’m just asking for what might be a little to someone but would make a HUGE difference in mine and my daughter’s life. I am a single Father of a beautiful 7 year old little girl who means that absolute world to me. Unfortunately things did not work out between me and her mother. I am a very responsible Father and I have been a VERY big part of her life since day 1. My daughter is with me EVERY SINGLE weekend and I LOVE spending as much time as possible with her. She is my little sidekick, my mini-me, we are 2 peas in a pod, frick & frack. If I knew being “Daddy” was going to be this much fun, I would have started when I was 18 and had several children. I still one day would like to have more, but it does not look like life is going to allow that to happen. I also have NEVER been called a dead-beat dad, never missed a child-support payment, and I provide my daughter’s medical insurance. This is where my problem starts. I have been working full–time since I was 11 years old and now I am 37. I worked at what I thought was going to be the job I retire from. I had medical coverage for myself and my daughter that, although it was still costing me and arm and a leg, it was still affordable. For the first 5 years of my daughter’s life, I was able to provide decent-to-good medical insurance through the company. My daughter’s pediatrician was the same pediatrician her mom, aunt and 2 uncles all went to so she has been very familiar with the entire family history. This is something that I find to be very important for my daughter’s health. My daughter has asthma and several allergies. She takes 2 different inhalers daily (Flovent & Xopenex). Her condition has always been under very good control due to her pediatrician recognizing things early on and issuing the proper treatments. Everything has been fine up until the economy went south about 2 years ago. The company I worked for started doing lay-offs. I took that as a sign that I better do whatever I can to make sure I am not one of the people being laid off because I had my daughter to take care of and provide for. I worked nearly 10-12 hours a day Monday through Friday for a little over a year. With 2 of the bosses that were above me being laid off right away, I went into work every single day doing whatever I could to help the company survive and become stronger all around to help prevent as many lay-offs as possible. It got to the point that the company did have to file for bankruptcy protection- chapter 11. Even then, I worked even harder. Eventually things began to turn around and my hard work and dedication I believed was going to pay off. I was happy until the new owner who purchased the company out of bankruptcy came into town. Even with my hard work and dedication and me being a HUGE part of the company’s survival, I was told I was going to be laid off. I was being replaced because the new owner already had someone for my position without even meeting me. I was not the only one, there were several of us that were replaced with the owner’s new staff. The only decent thing the new owner did do was give us all a 3 week notice. Fortunately enough, I went immediately to a competing company and they hired me. It was for roughly $7,000/year less and they offered medical insurance, but a much lower plan with a different insurance company. Again, my only concern was providing for my daughter, not myself. I took the job because it still pays much more than unemployment would have and if I were to collect unemployment, I couldn’t take care of my daughter with medical insurance like she needs. During this same time, my daughter’s mom was able to get employment. Due to the waiting period at my new employer before I could get medical insurance, I agreed to have my daughter put on her mother’s insurance plan and I would simply reimburse her. It started out being $350/month to have my daughter added to her plan which would keep her at her pediatrician and there would be no lapse in coverage for her…but within 3 months, it went up to $404/month. That is the rate it has been at for the last year. It has gotten to the point where between child support and medical insurance, and not to mention a student loan I think I’ll be paying off for the rest of my life, I’m left with roughly $300 every 2 weeks. Out of this $300, I need to provide food for myself, gas for the car to get to work every day and to pick up my daughter every weekend, who lives 1 hour away now because I no longer could afford my apartment and moved back home with my 72 year old step-father and my 68 year-old disable mother who has muscular dystrophy. I have attempted to talk with my daughter’s mother about putting my daughter now on my insurance plan which is $130/month less and MUCH less coverage, but, if we were to do that, my daughter would have to change pediatrician because the doctor does not participate in the insurance my employer offers, plus it is a much lower plan and my daughter’s 2 inhalers are not covered under my very low prescription plan. Over a course of a year, I would wind up paying even more. This is where your GREATLY APPRECIATED donation would come in and be put to use. Again, I’m not looking to be bailed out of all my financial woes, I want to be able to continue to take care of my beautiful daughter the way I have been her whole life and the way she deserves. Every day I’m still trying to figure out a way to get through this, in fact, this is how I even found this website. I hope that something will turn out in my favor. This is also not my only attempt to get through this. I try to stay positive and I have been applying to many different jobs in hope that I can find a job that would pay more than my current rate or pay for medical insurance + child that participates with my daughter’s pediatrician at an affordable cost. If you can find it in your heart to help a good, genuine, honest, very loving Father with a little temporary relief until something works out whether it be a new job, or hopefully a raise in a few month… please make a donation. Anything is greatly appreciated and I thank you in advance. Please help.