Filing Tags

Hi,
I recently filed for bankruptcy and got my discharge like 2 months ago. Since my discharge I had a sezuire at work and had to be rushed to the hospital (Mayo Clinic in Jacksonville, FL. I had no health insurance at the time and recieved a $7,209 hospital bill stay from them. I'm really sad that this happened to me due to the fact I had finally got out of debt and now after spending like $1,500 on filing for BK, now I'm back in the whole...I wanted to try to buy a home in 2 years after my BK and now unless I pay this off, that will probably not happen for my daughter and I. Also, its not the only debt that I have after BK, I couldn't include my student loans in my BK, so I have like $11,000 in sallie mae loans for school. I am asking for help with my hospital bill, so it would truly be a blessing if anyone out there had extra money and could help me pay this bill, I would greatly appriciate it! I am going to start paying little monthly payments on my student loans to try to get that down little by little. If someone is seriuosly wanting to help me, we can communicate through email and I would gladly give you my medical bill info and their number, so you wouldnt feel like you were being lied to or anything, I already feel akward asking for help over the internet, but what can I do? Also I will be getting health insurance starting in June through my job, so I should never run into this issue ever again! Thanks in advance to anyone that can help!

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!

I moved in with my girlfriend 2 months ago. I left Boston to come be with her in NYC. My work had run dry until April. She had just been evicted from her apartment by a slumlord landlord who stole her belongings. We were living from paycheck to paycheck. Supporting each other as best we could. We didn't have enough money to get an apartment of our own, so we got a one month sublet, which ended up being a nightmare-living in a closet with our 2 cats, and dealing with the scum of the earth roommates who made us feel uncomfortable, unwelcome, and awful. During that first Monty, we spent our savings just living. We both work in the creative fields, myself a musician, an she an actress. Work was spotty at best. We borrowed money from friends and family, feeling terrible about ourselves every time. Mid-month, I decided to file for unemployment. (something i had never thought I'd ever do)
The money we were expecting from that would have paid her union dues, giving her a pay bump by about 400%. This would have enabled us to not only survive, but get on our feet and pay back our friends/family. About a week and a half after filing, my boss calls me and tells me I can't file, or he'll go out of business due to the fact he's never paid insurance on his employees. He convinced me he'd cover my unemployment pay (totaling $4,343) if I agreed to recind my claim, thus saving him tens of thousands of dollars in back-taxes. I agreed. As soon as I'd done that- he tells me his lawyer advised him not to do that, and that he never agreed to that in the first place.
I have now been playing phone tag with my unemployment agent for weeks trying to restart the claim, and have the state go after him for the money he owes them.
Meanwhile, at the end of January, we had to move again. We couldn't find a place in time, and ended up staying in a motel in Stamford for a night while we made appointments to see a few places. We awoke to the front desk and housekeeping ladies banging on our door, telling us we have to leave or they'll call the cops. We are still fighting Hotwire.com for charging us for that.
Luckily, we found a place that night. The expenses of having to move though, totaled over $500. (rental car, motel, storage)
The apartment we are in now is shared with 4 other people. It's a two bedroom. There are 3 people sleeping in the living room. There are cockroaches. We once again have to move out, by March 7th. We have applied for foodstamps. (they have yet to be approved)
This time around, we have no money to move with. Our resources have been tapped. We are out of options. Work is still spotty, and we have borrowed from everyone we know.
We have a week to come up with rent, cell phone bills, and moving expenses. Nevermind money for food to ear everyday. (as I type this, we are preparing to go out and sell some things for food money)
I have never been this scared in my life. I doubt that writing this is going to make a difference, but I have to try everything.

If anyone reading this wants a specific number that would get us out of this- its $5,000. Here's the breakdown:
$1,000 rent. (not counting a deposit)
$1760 my girlfriends union dues (which means she makes enough to get us on our feet)
$175 storage fee
$250 cell phone bills (it's a month late, an we're on the same plan)
$130 car rental to get our stuff out of the apartment
$40 rental car gas (they charge $9 a gallon if you don't fill the tank when you return the vehicle)
$1,000 for food for the two of us and cats' supplies. (food,litter)
And the rest would be to pay back some of the people who've already been there for us helping us along the way.

Please. Please help. We are a young couple in love. Scared. Trapped. Out of options.

Thank you for reading, and I hope you will find it in your heart to consider helping us.

It's really sad to see so many people in trouble. I guess now we are part of the many. I got laid off the beginning of Decemember by a contractor who is filing for bankruptcy.He had been taking deductions for a year out of my pay and pocketing the money, along with my last paycheck.I have been doing odd jobs and subbing at school districts, and applying for full time work.We have medical and other bills that we are late on.Thanks and God bless

I found this site and am in a desperate situation- I am in the process of filing for disability and am unable to work. My husband lost his job the week before Thanksgiving- he has numerous resumes and applications sent out but no phone calls. He has applied for unemployment but still has not been approved or denied. We had to get help for the past 2 months from family and friends to just pay bills, however our family and friends are limited with the help they are able to give.We had to apply for food stamps and did get approved but since we dont have children at home we are not eligible for any kind of state financial help. We have rent due now and utilities within 3 days and only have $7.50 LITERALLY in the bank- we truly need a blessing and a financial breakthrough to get us through this time. The total amount of rent and utilities is about $1000.00 or we will have eviction notice and disconnection notices. but we would greatly appreciate any and all help offered.I understand that you probably receive many letters asking for assistance so if you decline my request for help.-Thank you for your time and consideration.-God Bless you all..(Please no scams- i truly need help and would prefer use of Pay Pal if at all possible)

I found this site and am in a desperate situation- I am in the process of filing for disability and am unable to work. My husband lost his job the week before Thanksgiving- he has numerous resumes and applications sent out but no phone calls. He has applied for unemployment but still has not been approved or denied. We had to get help for the past 2 months from family and friends to just pay bills, however our family and friends are limited with the help they are able to give.We had to apply for food stamps and did get approved but since we dont have children at home we are not eligible for any kind of state financial help. We have rent due now and utilities within 3 days and only have $7.50 LITERALLY in the bank- we truly need a blessing and a financial breakthrough to get us through this time. The total amount of rent and utilities is about $900.00 but we would greatly appreciate any and all help offered. Thank you for your time and God Bless you all.

I am 57 years old, husband is 66. I am in the process of filing for SSI disability as I am fighting MS and am not able to work anymore. My husband is retired, fighting skin cancer, we have only his social security to live on right now.
Recently lost our apartment and are now staying in a cheap hotel. All of our belongings are in storage and we are praying that we have enough to at least keep the rent up on that, let alone keep a roof over our head as well right now.
We need some help to relocate. Since I have no health insurance and have had a recent hospital stay that wound up wiping out any money we had left, and left us with a lousy credit rating. My husband has a job opportunity in Raleigh NC, if we can get there and find some housing.
I'm a veteran and am hoping that maybe some other vets could help us out. We aren't asking for a free ride, just some help in getting us back on our feet until my disability claim kicks in.
We are more than willing to pay back any help we receive.

I am 57 years old, husband is 66. I am in the process of filing for SSI disability as I am fighting MS and am not able to work anymore. My husband is retired, fighting skin cancer, we have only his social security to live on right now.
Recently lost our apartment and are now staying in a cheap hotel. All of our belongings are in storage and we are praying that we have enough to at least keep the rent up on that, let alone keep a roof over our head as well right now.
We need some help to relocate. Since I have no health insurance and have had a recent hospital stay that wound up wiping out any money we had left, and left us with a lousy credit rating. My husband has a job opportunity in Raleigh NC, if we can get there and find some housing.
I'm a veteran and am hoping that maybe some other vets could help us out. We aren't asking for a free ride, just some help in getting us back on our feet until my disability claim kicks in.
We are more than willing to pay back any help we receive.

Last month, I come home from a normal day at work, happy to see my two little boys (Josh 3 and Liam 4 months) and what I used to consider my better half. I walked in to find the house empty - no note, no indication of what had happened. I toyed around with calling the police, but it was clear this wasn't a missing persons case, or a robbery or anything else other than what it was. Everything was gone. Phone disconnected, bank accounts cleared out, credit cards closed. Suddenly it was me, the house and the car and nothing else. After a few days of searching, talking to family, friends and yes even filing a police report - not they cared much - I discovered I had been dumped for a guy my wife had been seeing for months. We has only just signed the lease less than a month before, and I thought we were really happy together. There were no signs - nothing that I saw at least. This really isn't the part that hurts, I can live with all this; it's her life and her decision. What really hurts is not seeing my boys.

During the first few days I didn't work, too busy trying to piece together what had gone on and why and how it had come to this right under my nose. The rent still needed to be paid, even though the house was unfurnished and too big for me alone. I was (and still am) locked into the lease! Problem number one.

Problem number two is rather more complex. Last Friday I received two letters. The first from a solicitor (our version of what you would call a lawyer) informing me of divorce proceedings and the second was sent a letter from the Child Support Agency informing me my wife is seeking child support payments from me. Now, I'm no deadbeat dad! I think all parents should pay for their children's needs but here I am - rent on a house I don't need, no furniture (some friends have lent me a TV and cooking utensils and a couch), no money to contest the proceedings and on top of that she wants me to pay child support while she's shacked up and living a 'normal' life with my boys, whom I haven't seen since.

I've seen a solicitor who advised me he wouldn't bill me for the first meeting - we talked about the situation, and what he could do from here... It requires more than I have, to achieve what I want and what I think is fair! All I want to do is split our assets 60/40 her favour (she has the kids). Get out of this lease that I'm legally locked into, and get shared custody of my beautiful little boys. Problem is she has the assets and without a court order to either return a portion to me or divest herself of some of the assets so I can be compensated, I can't pay a solicitor and barrister to get the money to do all this. Once it's all settled I'll happily pay my child support requirements, see my boys and leave her out of my life, seeing that's what she wants.

My solicitor has told me I could be up for as much as $10,000, but $6000 should be a good starting point. His firm wont proceed without knowing they'll be paid - fair enough, but what's a man to do in this situation?

I am literally begging for $6000. I haven't wanted for anything in my life - I've always worked and worked hard for what I had, but when it's all taken away from you, you realise how vulnerable we all are. I'm pledging that whatever I receive from this site that's not used in the case, I will pay forward, to another needy soul from this site. Please help... My heart and thanks, and that of my boys will go out to you.

Update: 6th Jan 2012. I've managed to get the proceedings heard at a later date, due to my personal situation. But nothing has changed. I still don't have the funds to fight this and to date not one response to my plea for help. I'm begging - literally for some assistance. I haven't seen my boys since December and I can't fight this without your help.

well, IF they approve it, have to survive for 2 years of processing to find out if I even get it!


Hi, and thank you for reading my plea :)

Last year I was declared permanently disabled by my doctor. ( I was on short term disability before that at work but they cut me off at 4 months instead of the year my seniority had earned). This sudden cutoff started my financial downfall into a spin. My job didn't "fire" me or "let me go", they just kept me active (out for medical issues), until I was no longer able to qualify for unemployment. If I had quit, then I would not have received any medical benefits any longer! In the mean time, I started the Social Security process, (which also does not allow unemployment claims) well. it takes 2 years to even see a judge, but somehow I am supposed to survive with no income until then! Ahhh but you are not allowed to work because then the judge feels you shouldn't be filing....( I mean, I am willing to lick stamps or something!) but strangely enough - I would be allowed (if doctor permitted something) AFTER I am approved, up to a certain amount of money. Whacked, right? So, here I am. I am supposed to see the doctor at least once a month for court purposes, but they don't really say how you are supposed to be able to afford to see him, if you can't have any income! My family has been so awesome helping me the best they can, but my parents are in a fixed income and elderly...my sisters have full families and their own struggles. I am so frustrated, I am not used to feeling like I can't take care of myself! I am sure you realize what kind of financial things I need help with..basic living. I am allowed to have food stamps - so thank goodness for that. I need assistance please with things like electricity, water, garbage, doctor, medication and gas for my car occasionally to get to the Dr...I do not have TV (about 1 1/2 years now) as it is a luxury, my parents offered to pay for my internet connection, which I am extremely grateful for...this is how I am able to post to all of you. I feel so weird posting this, and yes it is a bit humiliating. But I cannot stand to see my family go down the tubes because of what happened to me! Please consider helping me in anyway that you can. I have always helped others my entire life and I promise i will continue to do so as I can, can't help it - it is in my bones! LOL

I am submitting this request because we are in serious need of help. I know my story is long. I pray you will have the patience to read it through & consider my request.

I am a single mom of 2 sons; 1 grown & doing wonderfully in the world & the other just entering his teen years. I've raised both boys on my own, survived despite chronic poverty & worked very hard for the past 25 years to do so. I am an unusually-talented & tenaceous woman, having changed careers several times in order to assure that my boys were always properly taken care of. Since 1995, I've worked in positions where I was unsupervised & done well ethically in that type of independent environment. As a subcontracted cab driver for the past 5 years, I've worked 60+ hours a week consistently, without vacation or any other benefits. I've missed only 8 workdays in all that time: 3 days for illness & 5 days straight this past August to care for my mother while she died. I'll be happy to provide direct contact with the cab company owner, should you wish to verify this information.

Several things have changed for me in the past few weeks. I came across an opportunity to start my own business. I crave the day when my earnings are no longer confined to poverty levels & the majority of my waking hours dictated by the terms of a subcontracted position. At 49, I'm still young enough to start fresh again, during these last few years before my youngest son flies the coup. I'm already well-practiced at working on my own. It's finally time for me to do that & reap the rewards as well.

In the meantime, my demanding schedule caused me to be lax in filing tax papers for 2008 & 2009. So, the last week of October, I filed the 2008 returns through a local tax preparer. I've just completed the 2009 books & submitted those to the tax preparer 2 days ago. The importance of the tax filings is that I have a refund of $2000 coming to me from 2008. The tax preparer told me it would take 2 to 4 weeks to receive those funds. So I began preparations to become this region's very first fully-trained SmartPhone & Tablet Repair Tech. Being a frugal woman, I formulated a plan to use the tax refund to pay $395 for the 10 days training & startup business tools. My son & I can easily live off of the remaining money while I launch my business. And with the additional refund from 2009 pending in another 6 to 8 weeks, I will be well-set to get my business rolling.

With the business plan & pending refund in mind; & following a serious disagreement on matters of proper customer service; I gave the cab company 30 days written notice & finished my last day on November 6th. I left on good terms with an option to return. But the owner has since filled my position, so even if I returned immediately, the hours would be sparse. Plus, I could no longer be happy there, having to repeatedly apologize to my customers because the company owner habitually re-contracts drivers of poor character. Swearing at, name-calling & being generally rude to customers & co-workers is unacceptable behavior, in my code of ethics.

However, my tax refund has yet to materialize. I called the IRS just today & finally got some information on my refund status. I already phoned them just 2 weeks ago to correct a major error by the tax preparer. The kind young woman I spoke with today informed me of yet another major error by the tax preparer; & because of that error, it will now be another month before they send a refund to me!

So here I am, trying to keep the faith & maintain my patience, but stressing over unpaid bills. The first of the month has passed. I live in HUD subsidized housing, & my rent is only $110, but it was due by the 5th. I have never been late with my rent, but this month I had to practically beg for the apartment managers to be patient in getting the rent paid. There are also utility bills of nearly $200 due, & my prepaid phone was shut off for several days last week until a good friend paid that bill for me. I had faith in my tax preparer & was counting on having my refund by now to pay those bills. Needless to say, I am very unhappy with his service at this point.

I spent 2 weeks trying to get a 'payday' or personal loan. But because I was a subcontractor & now I'm unemployed, no one is willing to make such a loan. I even dedicated a full day last week to 14 fruitless hours straight online, just trying to click enough surveys to pay the $50 phone bill. I receive no child support or welfare benefits. Sadly for my son, Santa will not be arriving until well after Christmas. At this point, my income is 0.

So what I am asking for is just enough money to get us by until the tax refund arrives. I can reasonably make $750 stretch through to mid-January.

I am proud. It is hard for me to ask for this. But it is even harder to grovel to my landlords & the utility companies. And it was never my intent to risk us losing our home. I am deeply concerned that this may happen. The timing is simply bad for us not to have our refund yet. I wish my tax preparer had done a better job for me.

I have been blessed with great health & an optimistic outlook, despite all my life's trials. Others are not nearly so lucky & I am truly grateful for my blessings. I am also grateful to you for your consideration in this matter. Giving to others to help them improve their lives is indeed a noble endeavor. Bless you

We are grandparents. Parents to a mother who just reached the tender age of 18. She gave birth to two little boys, now aged two years and one year. We took care of and loved both of these boys from birth while mother went through her I don't want this life stage. She has now moved out, filing bogus charges against us and other members of the family, and taking these two darling babies with her. She now uses these boys to control how we visit them. The legal costs of the bogus charges she has filed has completely drained us financially. We are at a point of losing our home, our utilities, and what little sanity we have left. I lost my job because of her tales and my spouse has been cut short on hours. We desperately need help and prayers. All would be greatly appreciated.

They got my husband into drugs to change him. He made false allegations against me. The criminal Nazi organization promised him $100,000 to do so. He wants more drugs. He tortured me with the Nazis. They want to get money for World War 3 by stealing my parent's house and stuff. They racked up tons of charges on my bank account, destroyed my stuff, stold most of my stuff, beat me up so I now have chronic pain and are torturing me on a daily basis. Filing false allegations is a felony crime so, I hope they get arrested. They have ruined my life. They threatened to kill me too. They are using the government and are involved with Al Queda. I almsost died from the stress. They told me my children were dead. They just make up lies and say the person is crazy if they tell the truth. They try to turn people into prostitutes to try to steal from them. This in no way helps the economy. I was beaten twice badly with bruises and my neck plus back still have not healed. Please stop these people. Thank you.

I don't really know how to start this. It's such a different concept. I guess I'll just get to the nitty gritty of our situation...

My soon-to-be ex-husband cheated on me for 3 years at least 9 different times. At first I was in denial about his double life, but eventually I came to terms with it and just decided to try to stick it out a bit longer for the sake of my stepkids. They moved here from England in 2007 and I've been raising them since then. They're 17 and 19, and I was trying to wait till they both graduated high school before filing for divorce. I also have a 2 year old with him. I kept his infidelity a secret and carried the burden on my own, not even telling my family, until...the kids found texts in his phone last June to the woman who is now his fiance. In June I had to call the police because he nearly got into a fistfight with my stepson and physically got into my face as well, plus he told all of us that he was going to kill himself, but this has become a frequent ploy for manipulation by him. I have been primarily a stay-at-home mom the past 2 years bringing in only a few hundred a month. He was the primary breadwinner bringing home $4000-5000 a month. He moved out and moved in with this woman a block away from us, has not spent more than 5 hours with any of the kids since June, and refuses to provide any child support for any of the kids aside from paying the health insurance (which his work pays for), paying his car insurance, and only recently giving his 17 year old a few hundred dollars a month which she has to save for her bills too. I have been forced to figure out how to make ends meet and raise and support the kids on my own. I love my stepkids and happily will continue raising them and figuring it all out, working what I can and taking loans from whoever is willing to help. It's just really stressful and really tough right now.

I knew I was headed to a divorce, but I had no idea he would just abandon all of us completely like he has. And to top it all off, he has become very psychologically and emotionally abusive towards me and even sometimes towards the kids. Oh yeah, he also had no sense of self-control as far as spending goes, and he ballooned our debt up to almost $50,000, though some of that is medical debt as well. I'm facing divorce and bankruptcy on my own with 3 kids. As I type this I don't even know how I hold it together, but I've managed to. I'm healing and getting stronger and more able to put the pieces back together for the kids and I, but this is a BIG hole we're in, trying to escape, and it may be embarrassing to admit as an educated individual who never thought I'd be in these shoes, but I need help. If you are willing to help us, we would really appreciate it and it would truly make a huge difference in our lives. This feels so bizarre asking for help online like this, but I think it's an awesome way to really be able to help those in need. I'm glad I found it so that we too will be able to help others who need it most. In the meantime, thank you again for all your help at this extremely difficult, stressful and emotionally taxing time. You have no idea how much it helps knowing that people you don't even know care about if you and your kids are going to be okay. From the bottom of my heart, thank you.

Hello everyone,

About Me/My Situation:

Started a small computer service business in 2006 after being laid off from my regular job after 6 years. Managed to stay afloat until mid summer 2010 when I lost the contracts that provided 90% or more of my business and I had no money to go out on my own and obtain new contracts or more new customers. I was owed some money for work performed ( about $7,000) I will not be seeing any of that money.

After a while I started selling my possessions and items that my family had given me to sell, mostly accumulated junk like computer parts, beer steins that I had collected and other things at a weekly flea market, I cut down all my bills as much as I could. I looked for jobs for months. I borrow way too much money from my family as they could not really afford to lend it to me but they did. My parents and my brother also loaned me their cars when after i had to turn in my company owned vehicle leaving me without a mode of transportation. After a couple months of borrow cars I used whatever money I had managed to save and some money from an insurance claim to pick up a 15 year old vehicle for myself.

In November 2010 I obtained a full time tech job and a part time counter help job at the local movie theater. Even with two jobs I was still making much less that I use to and much less than I needed to pay my bills.

Finally I ended up filing for bankruptcy, "unofficially" close my business (turn in business vehicle leaving me without a vehicle) and recently just had most of my debts discharged, BUT I still need to catch up on a couple thing that the bankruptcy would not cover.

What I need:

1. Need to catch up on my condo fees --- about $1,000
2. My property taxes are about 2 years behind ---- $1,800
3. My heat, hot water and electric bills are past due --- $500
4. I need to officially close my business with the state which includes filing my annual report for the last two years ---- $1,000

Total I am need of is $4,300 I don't expect to receive all of this if any, but it did give me a chance to sort of vent while I typed this out.

Thank you to all who read this and thank you in advance to all who may donate.

Once I get caught up on these few items I should be good to go and would be able to stay caught up.

Here goes nothing,

My life went to hell in a hand basket on June 3rd, when my wife left me, I had know her two years prior to getting married and lived with her for 8 months, then on may 26th I found out she was a heroin junky, I had no idea she had no marks on her arms or anything I walked in on her preparing to shoot up, then I frantically did research on how I can help her, on June 3rd she was no where to be found when I arrived home from work, I searched all day until she finally texts me and says she is leaving cause I am crazy, she stole 500 from me after punching me in the face, it took everything within ne. As a combat veteran not to go ballistic, I served in OEF 09-10, the military is screwing me around with time and resources are Shitty to get this divorce oh yea by the way I have to pay her 700 a month on top of my bills cause that is federal law I need help for the court costs and filing fees cause I can't afford a lawyer and JAG is useless, and I'm falling behind on the electric bill. Cause my old roomate screwed me over, rather than a hand out is like a Damn good job whenever I am out between next march or June but money is welcome, you can give a man a fish he can eat for a day, teach him how he can eat for a life time

Oh wow, where do I start; it's so painful. I need financial help like yesterday. I'm an Army veteran with 11 years active duty, 17 yrs total active service. I trained National Guard soldiers for Iraq, Bosnia, Kosovo and Afghanistan from 2004-2011 during Operation Enduring Freedom/Iraqi Freedom. I've recently fallen on hard times and I'm about to lose my home. Was in the Reserves and haven't found permanent work yet since honorable discharge from active duty back into Reserves. I have filed for bankruptcy but it hasn't been discharged yet. I'm 20% disabled from injuries while serving on active duty and I'm diabetic. My disability check isn't a lot but the Veteran's Administration is taking money out of my disability pay for medication and copay visits.

I'm still hopeful though that someone can help me save my home, I need about $13,000.00 and it is nearing foreclosure. I don't wanna lose my home just because jobs are low paying in this area. I'm unemployed and don't have permanent full time employment. This situation hurts my heart. It's hard to ask for help when I'm so used to being the strong and independent one. Please help me if you can. Even a $1.00, $5.00 will help. My car was repossessed a year ago but I got it back due to filing bankruptcy. As of 15 Oct, I have -$38.47 in my bank. When my debt is paid down, I will pay it forward and help someone in need! Thank you for your caring hearts! I'm believing in a miracle!!

P.S. I'm not somebody fake from somewhere overseas like India or Africa hustling or scamming Americans for money.

Hi, I can't believe I am doing this but I am desperate and praying that God has an angel looking at this site wanting to help someone in need. I lost my job on September 9, 2011 and have been looking for work as well as filing for unemployment. However, I am waiting on my unemployment to start and my light bill is due. The past due amount is $220.92 and total is $430. If I could get help with the full amount it would be great but if I can only get help with the past due amount, it would be greatly appreciated as well, I will even provide the log in information with my utility company to pay directly to them if my angel wants to pay it directly so that they know for certain where their money is going! Please help me and my family keep our lights on! I pray this touches someone.....

I am the mother of 5 I have been at the same job for 4 years I am assistant head house keeper at a hotel my husband works at a safeway and has been there 3 years he just started getting his wages garnished for an old credit car we are in the prosses of filing for bankruptsy and if that wasn't enough his hours just got cut form 40 to 24. I am only allowed to get 31 hours at my job because companys dont want full time employees any more because then the have to give them binefits and paid vacations heaven forbit! The kids are starting school in a couple week and inspite of all my hrd work I have nothing for school clothes and supplies any help would be grately appreciated and will be passed on to someone else when I am in a better place.

I am a 47 year old single mom and due to a divorce and other unforeseen circumstances in my life my credit report has taken a beating. I borrowed enough money to pay for a pre-licensing course to get my insurance license and after several months of studying I took the test and passed. I immediately went out looking for work only to discover that I had to pass a credit check to get a job in this field. I have never filed for bankruptcy because my intention has always been to pay my bills. I really don't owe enough to justify filing for bankruptcy anyway. Now it seems I am in a catch 22 situation. I can't pay my debts without a job and I can't get a job unless I pay my debts. I have exhausted all my resources. I am currently unemployed and because of my credit history I can't qualify for a loan. I thought of selling my car, but it is not worth what I owe. I need help. I am in a desperate situation and will loose the house I rent if I don't get back to work soon. I tried to work with a credit repair agency but my unemployment benefits are not enough to cover my rent and utilities as well as a payment to them. My outstanding debt is only $7,000, and if I had a lump payment available I could negotiate with my creditors and probably get that amount down to $3500. If there is anything you could do to help me I would greatly appreciate it. If I get the money I need, I can go to work immediately and I will use my tax refund to donate to others in need here.

This entrepreneurial High School teacher and Iraq War veteran is seeking money for the startup costs of his future corporation. I am looking to raise money for the filing of paperwork and other associated fees. I have given selflessly of my time and knowledge. I am one that believes in tithing and paying things forward. I have done this since I was a little kid and I have no reason to stop now. My new company seeks to fund innovative ideas and get smart ideas to market. A small investment now will continue to pay dividends to countless individuals for years to come. Thanks for your help!

Hi

I have never had to beg before in m life. I can't believe I have to resort to this tactic at the age of 55 years old. Exhausting all my savings.

Here is my story.. In April 2008 I was laid off my Shop Manager job for a construction company after 5 years employment.

Shortly after I was only able to secure a Desk Clerk job at a old run down former Holiday Inn, here in Salina, KS.with a room as part of the compensation. After 2 years of employment there they had a infestation of bed bugs and the owner wouldn't do anything about it and I was really ate up by them, didn't know why I had bites all over me until I visited the emergency room. Upon returning to work I asked the owner to pay the hospital emergency room bill of $380. He said he would but still hasn't done so after presenting the bill to him.

I was able to get $106. a week unemployment though which put me living out of my 1989 Jeep pickup that I had. I built a box on the back that I cared my positions and slept in a Wal-Mart parking lot. I put ads on craigslist for house painting and got very few jobs but once in a while I could get a room so I could clean up and get some relief from the heat that summer sometimes hitting 106 degrees.

Finally August 5,2010 I found a job at a Car Detail shop and was able to get a cheap motel room. This is hard work now for a 55 year old man, but I persisted even though finding out the owner was a drunk. I came in on pay day one day in September only to be fired because he didn't have the money to pay the help. Even after filing a complaint with the Kansas Labor board he has managed to avoid payment.

Then I meet a man that had an old house for sale that was willing to help me out and I was able to make a deal to buy the small home for $2500. , $500. and $100. a month till paid for. No gas , No electric, No Water, it was a wreck none the less a shelter for the winter coming up. I put a ad on craigslist to sell my truck so I could make the deal and within a week a couple had purchased my truck and I was able to make the down payment and moved the few things I had left in and make a bed. The neighbors were nice people and insisted on running a electric cord through the window so I would have lights and I had a little electric heater to stay warm.

I was still running the ad on craigslist for painting and through the grace of god got a pretty good painting job that netted me $1300. After waiting 4 weeks to get paid for that job ( the company said the check was buried under paperwork on his desk when I called the day before Thanksgiving wondering why I hadn't received the check) right..

Any way I paid the payments up till February 2011

In November the city heard I was living in the house with out electric, gas and water and sent me a notice and posted a notice to vacate the premises with in 30 days or be fined $500. I called them and said I was working on it and they gave me till December to have it up to code and inspected for $150 city fee. I didn't know what to do but kept applying for jobs and praying for someone to call and have some painting done. A friend of mine was a electrician and came over and told me what I need to pass the electric inspection. I called around and there was one company that would do all the inspection so I scheduled the inspections and passed the electric December 24 2011 and I called to have it turned on and they couldn't do it till the 26th, all gone for holiday. The gas line was a different story, the plumbing company spent two day correcting the problem and left me with a bill of $1400. that I have only been able to pay $40. on.

A 50 year old man I had made friends with Russ, while working the motel told me he had to quit work because he
was dying from hepatitis and didn't know what he was going to do, he had been homeless while I was for a while, so I told him he could move in 2nd week of February 2011, he was waiting on unemployment and should be coming in any time now, But the motel wouldn't let him stay with out paying.

He did get a good size unemployment back payment and 2 days before the utilities were to be disconnected we got the utilities and the house payment caught up.

Because of the unemployment he was getting SRS has cut off his and my food assistance and he has been denied disability and has to get a lawyer to handle it. I have been applying to every job and submitting my resume to every job online and in the local paper with not 1 interview. I do have a company that said they will call me as soon as they get some work themselves.

Russ my roommate will get to were they have to extract the water that builds up around his organs. The Dr said he has anywhere from 1-2 years to live and I would like to make him as comfortable as possible. I cook all the meals and take him to Dr appointments and to pick up his medication.

The gas is all ready going to be shut off this next week because we missed a payment on the cold weather agreement and now owe $689.35

I do have a PayPal account where you can send assistance it is edwardahopkinsjr@gmail.com Mail to: Ed Hopkins Jr 331 N 11th St. Salina, Kansas 67401 We still have a cell phone 785-201-2347 if you would like to call.

Thank you in advance for your generosity,

Ed & Russ

P.S. I belive in the Pay It Forward System and will help at least 3 other people if you help me. I did donate $1. to BegsList I had $2. in my PayPal account. But I can't afford the $9.95 for the spotlight ad.

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! My name is James. I'm a stay at home dad of two children whos wife works full time. I am not on welfare and have been trying very hard to find a job that has hours from 5pm-11pm nightly with no success. We are filing for bankruptcy and it has been very difficult on everyone involved. If you know of a job, have work for me, or simply would like to help me out please, please do. I would even take 1 cent as a donation at this point. Though I would rather work and I have experience as a cab driver,security guard, customer representative, computer tech, bagel baker, assistant/shift manager as well as some limited auto maintance experience. I'm more desperate than proud at this point, having given my share in years past to good causes I am hoping some of that will return my way. I continue to apply for anything that might be available but I am exceedingly concerned that soon I will not even have the money to buy groceries. My wife just filed for bankruptcy recently and that is also adding to crisis here. I've never begged in my life like this but the situation is dire and there is little other option I can think of. The biggest problem is that I must stay home to raise my children (and I LOVE being a dad and I love doing this. It also saves us more than I would make if we had to pay for childcare. However since they are not in childcare I do not have the hours open during the day to work. I simply need to get out of this and get us back on our feet. We are only a broken car, or appliance away from I don't know what. :(

Hello, I am a married woman in my 20's with a small son and one on the way in December. I am currently a stay-at-home mom. I have a BS in business management and economics. I have had a sound business idea for a year but I do not have the extra funds to bring it to reality. It is a niche vending business with relatively low start-up capital, about $5000. I have 4 guaranteed locations lined up and several others I am in talks with. The $5000 pays for the product machine needed for the locations, filing with the state, tax, shipping, and copies of necessary sales materials and contracts. My vending business requires no inventory, employees, office location, or overhead. It is a simple concept (don't want to give too many details online) with the added bonus of being a niche business. My concept is virtually non-existant in my area and the feedback I've gotten so far has been extremely positive. I am willing to give more details if necessary.
This business would help my family in ways you can't understand. Due to an unscrupulous family member, my credit is bad and I cannot apply for a traditional business loan. I would be able to pay off long-standing debts and help relieve my dear husband of financially supporting our family, while also being able to stay at home with our expanding family. I also need this for me. I need to feel like I am contributing positively to my family and to our neighborhood and beyond. I want to put my business knowledge to work and not waste my degrees. I've spent this past year doing my due dilligence and research around my area and based on my findings my business will be extremely successful. I appreciate any and everything you could spare, each dollar brings me that much closer to my dream.
Thank you, from the bottom of my heart.

P.S. what goes around, comes around. I won't forget this and I cannot wait until I can come back to this site as a donor and be able to give back.