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Desperate!

Posted by missruby on 2012-05-02 07:58:41

Hello,
I am in a situation that sadly, many are in right now. I am working and in school trying to improve our situation. My husband has had his hours cut at his job which has substantially decreased our ability to pay bills. I made the grave mistake of getting caught up in the payday loan loop and I am now at the point where the bulk of my paycheck goes to paying the payday loans!

I have joined a credit counseling program which has streamlined my debts and if I can make the $285 payment per month, I can be debt free in 2 years.

The problem is, with these payday loans looming over me and being obligated to them for over the next year (I have 3 altoghether)I feel that I can never get out of this hole!

Additionally, my company was recently sold and we are due to lose our jobs by the end of this year--which is just too much to even fathom right now.

Any help is appreciated. I would say that the total that I need is $3000 (all 3 payday loans were for $850 apiece--if I can pay them off immediately with the interest where it is now, it would total $3000.

Paying off debts so I can enjoy what time I have left.

Posted by chrisgower on 2012-03-01 14:58:43

As of today I am currently £23,002.27 in debt. It is a lot of money which I am paying off bit by bit, but when you know your time on this Earth could be limited by cancer, paying this off means much more than it would normally.

In 2005 I was diagnosed with a Malignant Melanoma on my head, it was a large tumour which grew further than it should have thanks to a blunder by my doctor. By the time I had it removed, it was a stage four lesion and my chances were slim.

But with surgery and radiotherapy I managed to get through and for one year I was pretty much all clear! but this was short lived when, after a routine scan, I was given the grave news that it had become metastatic and spread to my liver and my lungs.

That was three years ago and by the grace of God I have survived with little change, but ever since this terrible ordeal I have sunk further in to debt. As you might imagine, the propensity to spend money in times of hardship is something I could not avoid.

I don't know how much time I have left and as it is I am struggling to pay debts and get through on a day-to-day basis.
I would like to live a little before my health deteriorates, go on holiday, have a bit of fun and I am worried for my wife too as I can't take out life insurance with my condition, and I want to make sure she is secure after I am gone.

Any donation is good, if I could pay off all of my debts so that we would have a bit of money to use to enjoy what could be my last years, even better. One thing I would be certain is that my gratitude would not be suitably expressed in words, as it would be genuinely immense.

Love,
Chris

HEADSTONE FOR MY MUMS GRAVE

Posted by lordlily on 2012-01-25 07:58:27

Hi my mum died suddenly before xmas i am a single parent of 3 and struggle financially we are trying to save for a headstone as my 84year old dad who has lung cancer would love to see a headstone on her grave before he dies we have a bottle in which we collect all small change and would ask that if you could spare any no matter how small it would be appreciated and would help fulfil my dads wish to see her remembered thank you for reading this and every little counts.

Devastating Accident almost done us in anything would help

Posted by Livingonfaith on 2012-01-24 04:58:45

In July 2007 my husband was a passenger in a co-workers car; the co-worker turned left in front of a pickup and the car was T-boned directly on his side. The co-workers car was an older model with no airbags; the doctor said that if he hadn’t put his arm & hand up to shield his face than it would have been fatal. The subsequent and enduring “care” he has received via workers compensation (WC), for the grave injuries he sustained, has been appalling at best. This is just my personal opinion, based solely on our experiences since the accident, but I have concluded that workers compensation (that was put in place to protect the workers), is nothing less than an unethical, disingenuous corrupt system. They end up sending you to a doctor of there choosing and these doctors (who have "gone over to the dark side")cater to the insurance companies by writing lengthy reports downplaying any injuries (goal of saving insurance company money with zero regard for the patients well being) in exchange for more patients sent to them and guaranteed, probably higher than usual, reimbursements. All too often it seems like WC caters to those who abuse the system and discriminate against those who really are in need. The “timely” medical care my husband has actually been able to procure through this government supported system is a travesty leaving him with irreparable spinal damage and a life of pain to look forward to. The malevolent truth is, had this system acted in a timely fashion, equivalent to the expedient care that ANYONE else not on WC would receive, then something could have been done to improve his quality of life. Unfortunately, as it stands, due to the guileful delay tactics used by WC, it is too late to do much of anything to repair the injuries causing him pain. Clearly supported medically necessary needs have either gone unapproved or purposely neglected for months all the while he continues to suffer with intractable pain. It is just beyond my comprehension as to how these people can feel no remorse for leaving another human being in such agony. Due to WC neglecting to approve certain items we have had to outlay a significant amount of our funds for medically necessary items\services to help him do tasks that he could previously do unassisted.
Today he suffers unrelenting pain as a result of permanent whiplash, 8 herniated discs, and unacknowledged(despite films clearly showing injuries) unaddressed broken tailbone, ribs and pelvis. Nerve damage from the spinal injury has resulted in numbness in his extremities, frequent weakening of his legs and embarrassing incontinence among numerous other concerns - had these been addressed in a timely manner (much like they would have been if not WC injury) his suffering could have been decreased significantly thereby improving his quality of life. The most serious injury he suffered was the hip break (acetabuler break) the worse break possible - it was broken in four places. As alluded to previously, an injury this severe should have been stabilized by surgery - allowing it to heal properly and not leave him suffering in chronic pain. WC puts such demands on providers to cut corners in order to save money that, in my husbands case, his doctor decided to do absolutely nothing but send him home instructing him to stay in a wheelchair 100 % of the time for several months. This doctor did not follow up with an exam or x-rays to make sure everything had healed properly. When my husband tried to explain to him the degree of pain he was still in the Dr said hmmm that shouldn’t be and then said “I can’t do anything else for you…”. This Dr. was so engrossed with saving WC some money that he disregarded his patients plea for help- how dispassionate and cold. The way this physician treated my husband goes against almost every part of the hippocratic oath which he swore to uphold upon graduation.
After being in pain for years, with no help from WC when it came to pinpointing its primary source, we paid out of pocket for a film that revealed his pelvis had been broken in the accident. This was never discovered previously by the orthopedist, again, due to cutting corners to save WC money they didn't take the necessary films to do a thorough job. We have a hearing with WC before a judge in March to request approval of a doctor who can address his broken tailbone - regardless of the fact that he can hardly sit without being in excruciating pain WC has denied him access to a doctor to treat it.
Immediately after the accident WC paid for home care for my husband and I was his caretaker when they were not here. Once they stopped providing this in home care I had to take over caring for him in addition to taking care of our then one year old daughter. I soon realized that I could not work and take care of both of them so I had to leave my job to stay home. As a result of my loss of income we have used up every penny of savings and 401 K, that we worked so hard to earn. We had to purchase anything medically necessary for Randall that WC was denying or losing track of. In addition to all this bad news, he has had to go out on disability (10/10) due to the deterioration of his condition and as a result our income has been cut substantially. This leaves us struggling to survive with no savings and significant decrease in income. I am the primary caregiver of both my husband and 5 year old daughter and all I able to contribute financially is what I can find the time to sell on eBay and needless to say we are coming up short.
All of our credit cards have been turned over to collections and our house note is in default and I am terrified. My heart breaks for my only child my daughter who is just 5 years old - I want her to remember more than this devastating situation about her dad and what undeserved hard times we are facing. You can ask anyone who knows my husband and they will all say the same that he is one of the kindest, caring, and conscientious people they know. I know that he doesn’t deserve the heartache he is having to endure. He has worked hard his entire life, since the age of 15, up until he could no longer because of his injuries; and I know that prior to this accident he had saved and saved and was looking so forward to retiring and having fun times as a family. He hasn’t lost sight of those dreams but the money he had saved to fund them is all gone. Despite everything somehow he still maintains a positive outlook on life which makes him a much stronger person than I.
We all have faith that God will see us through this one way or the other but some days it is just so hard to maintain a positive outlook. We would be truly grateful for any help - do only as your heart leads you to do!
God Bless

Memorial Stone For My Mother

Posted by alienannie on 2011-12-22 10:58:06

Thank you for reading this. My dear elderly mother passed away this past September. Her memorial was paid by her small life insurance policy. Now, I am trying to find ways to make money to buy her a grave stone. My elderly father, 83, barely gets by on his social security and cannot afford to help. I get social security but it all goes to my rent, utilities and food.
I have been picking up odd jobs when possible but still have a long way to go towards the memorial stone. If you might be able to contribute, even a few dollars, it would be greatly appreciated. This is a quest I will not stop until I can get the stone! I will certainly promise to "pay-it-forward" and donate my time to charities for every bit of help I recieve toward my mother's grave stone! Thank you so much! Have a blessed holiday!

Mother's Grave Stone

Posted by alienannie on 2011-12-22 09:58:56

Thank you for reading this. My dear elderly mother passed away this past September. Her memorial was paid by her small life insurance policy. Now, I am trying to find ways to make money to buy her a grave stone. My elderly father, 83, barely gets by on his social security and cannot afford to help. I am get social security but it all goes to my rent, utilities and food.
I have been picking up odd jobs when possible but still have a long way to go towards the memorial stone. If you might be able to contribute, even a few dollars, it would be greatly appreciated. This is a quest I will not stop until I can get the stone! Thank you! Have a blessed holiday!

Grave Stone For My Mother

Posted by alienannie on 2011-12-17 16:58:31

My dear Mother passed away at the end of September 2011. Her insurance barely covered her service. I am trying to find ways to earn money to buy her a grave stone. One that I can also put my Father's name on when he passes. He is 83. I'm disabled and live on $700 a month. Rent, utilities and food takes it all. So, it is difficult to save very much. I find odd jobs when possible. If you would be able to contribute a few dollars to help I would be forever greatful and will surely pay-it-forward when I can. Thank You!

save my home need $2000

Posted by bryanterry on 2011-09-06 20:58:49

I've like millions of others got caught in the crosshairs of this economic decline. On top of that impact I was left to save my home when wife of 17 years left;within a year i got deathly ill and was at local hospital ICU a month and a rehab Hospital a 2nd month, both in Ga, A spinal infection precipitated 4 minor stokes which in turn cost me my fulltime employment as a college instructor. I had served in Viet Nam and returned injured only to lose benefits due my new found anti-war position.
Like everyone else i finally got SSI and very small disability stipend.
Now each month my country dream home becomes a smaller prison as I struggle against the foreclosure monster. My mortgage equals my SSI so electric bills, medical bills, car insurance. (1985 Nisson) get juggled if im well enough to earn extra.
It's a long story but they all are.
I have a couple of creative projects with potential but my fear and day to day struggle drain me. I ve written most of a unique stage play/rock musical working title "God died in 66". An investment in the work would be considered{was in 1969 Chicago cast of Hair,as well as movies such as LeoFrank on GPS tonite }.
I am however begging for your help at this point. $2000 will dig me out of this financial grave
helloo everyone and thank you for reading my story me and my partner have been trying to have a baby for 4 years now and with no luck i went to see a gyno and had a few operations to later find out that i would never be able to have a child natuarally i would need to have I.V.F wich is upto £4000 wich i have not got atall and would not be able to get without the help of someone loving and caring this is my one dream and only wish for me and my partner to finally be a familly and be happy i would much appreciate all the help i can get from all you kind people out there i am in much need of this money for me to carry on with my life .....
my partner is also in need of the othe £1000 pound that makes £5000 to get his mothers headstone for her grave as she has passed away and no family are willing to help him thank you and god bless you all xxxxxxxxx
helloo everyone and thank you for reading my story me and my partner have been trying to have a baby for 4 years now and with no luck i went to see a gyno and had a few operations to later find out that i would never be able to have a child natuarally i would need to have I.V.F wich is upto £4000 wich i have not got atall and would not be able to get without the help of someone loving and caring this is my one dream and only wish for me and my partner to finally be a familly and be happy i would much appreciate all the help i can get from all you kind people out there i am in much need of this money for me to carry on with my life .....
my partner is also in need of the othe £1000 pound that makes £5000 to get his mothers headstone for her grave as she has passed away and no family are willing to help him thank you and god bless you all xxxxxxxxx
helloo everyone and thank you for reading my story me and my partner have been trying to have a baby for 4 years now and with no luck i went to see a gyno and had a few operations to later find out that i would never be able to have a child natuarally i would need to have I.V.F wich is upto £4000 wich i have not got atall and would not be able to get without the help of someone loving and caring this is my one dream and only wish for me and my partner to finally be a familly and be happy i would much appreciate all the help i can get from all you kind people out there i am in much need of this money for me to carry on with my life .....
my partner is also in need of the othe £1000 pound that makes £5000 to get his mothers headstone for her grave as she has passed away and no family are willing to help him thank you and god bless you all xxxxxxxxx
helloo everyone and thank you for reading my story me and my partner have been trying to have a baby for 4 years now and with no luck i went to see a gyno and had a few operations to later find out that i would never be able to have a child natuarally i would need to have I.V.F wich is upto £4000 wich i have not got atall and would not be able to get without the help of someone loving and caring this is my one dream and only wish for me and my partner to finally be a familly and be happy i would much appreciate all the help i can get from all you kind people out there i am in much need of this money for me to carry on with my life .....
my partner is also in need of the othe £1000 pound that makes £5000 to get his mothers headstone for her grave as she has passed away and no family are willing to help him thank you and god bless you all xxxxxxxxx

Need Help Funding My Medical School Fees

Posted by razzy on 2011-04-30 13:58:01

Hi there, my name is Abby, and I'm currently about to enter Medical school. My family isn't well off to begin with, so this endeavor was hard. Luckily, I was able to obtain a scholarship, so my first year of school is free (the first year, anyway). The problem is, Medical school books are very, very expensive. For me to afford all the books, I need a total of $700. I hope you can help me. I want to make my dream of being a doctor come true. I know my problem isn't as grave as the others have here, but I'm doing this for my parents. I don't want them to spend any more money, especially since my dad is currently unemployed.

help with attourny fees fight for my kids

Posted by catlover on 2011-04-11 15:58:16

My name is Kristi I am the mother of two children a boy 9 girl 10. I am divorced from their father after 10 years of marriage. My x won residential custody of my kids now i get them wed nights and every other weekend. I have exuasted my resorces fighting him in court. And i dont want to stop fighting him in court for my children. I am on ssi and only receive 600.00 a month on ssi. because i have a disibility,aka a mood disorder whith i have had all my life my x got custody by lieing. my x was verbally abusive while i was married to him. stole money from my fathers business and also hit me. my children have suffered from all of this. I was honest in court and lost now forced to pay 300 dollers a month in child support. get this he doesnt even watch his kids he works grave yards. the women one of many he cheated on me for is watching my kids at night. I am asking for any donations to help me fight in court and get my kids home. please i beg as a christian look into your hearts and help. or even if your an attourny and can do probono work i love my kids and they need to be with me thanks for reading my story.

$5,000 - NEED TO PAY TUITION SO I CAN GET BACK TO SCHOOL ASAP!!!

Posted by CarolElise1231 on 2010-09-06 19:58:58

Hi,

My name is Carol and I'm trying to get back in school to complete my last year and finally get a degree in Accounting. I had to leave Temple University a few years ago because of financial issues force me out. I had been working and saving towards going back and was unfortunately laid off due to budget cutbacks (just can't catch a break). Due to this set back I had to reconsider my options and make some needed sacrifices. I've moved in with family to save money and decided to transfer to a school that costs less. I would love to see this through to the end because in this economy, even though I have work experience, I am at a grave disadvantage amongst my peers. So ANYTHING that can be donated to help me get back on my journey would be much appreciated.