Needless Tags

I am a mother of 2 boys currently going through the divorce process with my Soon to be ex husband who is serving in the US ARMY the rules they have in place for a soldier to support their families once seperated is absoulute ridiculous. Long story short I was only granted 601.00 a month by "military regulations" that my spouse would have to pay me. He almost makes 2000.00 a month for housing allowance alone and needless to say I am struggling. I googled this site primarily to find government assistance but came across this site. I know a lot of you reading this would say "why wouldn't you get a job" but the truth is while following my husband across the country I have not been able to work for the past years so every interview I have that is a one of the concerns that comes up by the person interviewing me. I have taken some college courses online but now that I am not dependent on my military spouse I'm completely dried out from any educational benefits I had looked forward to receiving. I know one day in the future I will be fine but right now I am struggling like never before.

I'm a teacher's aide in a non public school for emotionally disturbed kids so needless to say I don't make much and I'm off work in summers. I make enough to get by with my fiance's help but he was just locked up due to his friend leaving a pipe in the car. We both don't use and were just getting where we wanted to be when this happened. Rent is due next week, it's $950, if I don't pay I'll lose my house and my daughter since I have nowhere to live so her dad would get custody. Please anything can help, I don't want to lose my daughter and be living in my car. God bless

Hello everyone,

I am trying to provide the best things I can for my little family. My ex and I went through a rough divorce and thank god I got our children. Only problem I have now is the ex doest not provide any support for them and I have no way to get her wages garrnished. So needless to say my bills are getting higher and money is getting leaner. I am doing everything I can to get by but I need help. I am not asking for much but hopefully some kind person(s) can help me get up to $500.

Thank you for looking.

Hello everyone,

I am trying to provide the best things I can for my little family. My ex and I went through a rough divorce and thank god I got our children. Only problem I have now is the ex doest not provide any support for them and I have no way to get her wages garrnished. So needless to say my bills are getting higher and money is getting leaner. I am doing everything I can to get by but I need help. I am not asking for much but hopefully some kind person(s) can help me get up to $500.

Thank you for looking.

Hello everyone,

I am trying to provide the best things I can for my little family. My ex and I went through a rough divorce and thank god I got our children. Only problem I have now is the ex doest not provide any support for them and I have no way to get her wages garrnished. So needless to say my bills are getting higher and money is getting leaner. I am doing everything I can to get by but I need help. I am not asking for much but hopefully some kind person(s) can help me get up to $500.

Thank you for looking.

Sitting here trying to think of how to start this "beg" my mind does a fast playback of the last 5 years which seems to find me sitting here trying to think of how to start this "beg".

To type it all out would be exhausting, depressing and most importantly, a total disregard of your time. I will try to keep this as short and to the point as possible.

Five years ago my stepfather and mother were forced out of the home they had rented for 15 years after the real estate market came to a halt. My stepfather had always been very successful in commercial real estate but unfortunately did not save or invest for the proverbial "Rainy Day".

Totally in the dark, my mom continued spending money on daily needs and wants unaware that the essentials such as utilities and rent were not being paid. After realizing that my stepfather had no monies coming in and facing eviction she called me asking if I could help out by loaning them enough money to pay back rent and past due utility bills. Yes, I realize what most of you are thinking and I wholeheartedly agree but I was assured that one of John's deals would be closing within the next couple of months at which time the money borrowed would be repaid.

Needless to say the deal fell through and my money has not been repaid and what started out as a $5,000 loan from credit cards has more than doubled when factoring in all of the payments I have made and continue to make plus the mounting interest charges. They are now in their seventies with health issues and living month to month on social security.

The reality is that I will never see my money and will probably be paying for a very long time. Some people I suppose would file a lawsuit which for me is simply out of the question for 2 reasons. (1.) I love my mom dearly and I try to look at it as payment for the years she spent raising, doctoring, feeding, clothing and housing me. The second reason is obvious. Blood cannot be extracted from a turnip.

I know that there are a lot of people in much worse shape than I am in right now and I am employed, however I am now 5 months behind on what is called an upside down mortgage which I am trying to hold onto at least until home values come back. I would be more than happy to sell it for what I owe but there are major repairs (the roof being top priority) which have to be made before I can even hope to sell.
My goal is to pay off the credit card debt and if Bank of America doesn't foreclose on my house I hope to make the need repairs so I can at least sell for what I owe and then rent a small affordable apartment or house. Please... Any help that you can give will be greatly appreciated. Thank You & God Bess!

Sitting here trying to think of how to start this "beg" my mind does a fast playback of the last 5 years which seems to find me sitting here trying to think of how to start this "beg". I will try to keep this as short and to the point as possible.

Five years ago my stepfather and mother were forced out of the home they had rented for 15 years after the real estate market came to a halt. My stepfather had always been very successful in commercial real estate but unfortunately did not save or invest for the proverbial "Rainy Day".

Totally in the dark, my mom continued spending money on daily needs and wants unaware that the essentials such as utilities and rent were not being paid. After realizing that my stepfather had no monies coming in and facing eviction she called me asking if I could help out by loaning them enough money to pay back rent and past due utility bills. Yes, I realize what most of you are thinking and I wholeheartedly agree but I was assured that one of John's deals would be closing within the next couple of months at which time the money borrowed would be repaid.

Needless to say the deal fell through and my money has not been repaid and what started out as a $5,000 loan from credit cards has more than doubled when factoring in all of the payments I have made and continue to make plus the mounting interest charges. They are now in their seventies with health issues and living month to month on social security.

The reality is that I will never see my money and will probably be paying for a very long time. Some people I suppose would file a lawsuit which for me is simply out of the question for 2 reasons. (1.) I love my mom dearly and I try to look at it as payment for the years she spent raising, doctoring, feeding, clothing and housing me. The second reason is obvious. Blood cannot be extracted from a turnip.

I know that there are a lot of people in much worse shape than I am in right now and I am employed, however I am now 5 months behind on what is called an upside down mortgage which I am trying to hold onto at least until home values come back. I would be more than happy to sell it for what I owe but there are major repairs (the roof being top priority) which have to be made before I can even hope to sell.
My goal is to pay off the credit card debt and replace my roof. Any help that you can give will be greatly appreciated. Thank You & God Bess!

I am the eldest daughter of two ill parents. I have 2 siblings who have been the caregivers to my parents for several years now. It all started when my father got ill in 2007 with a need of open heart surgery. After that surgery he was never the same. He was a very successful emergency room physician and made very good money. However, he was off for several months from work due to his recovery period. Much of his savings/investments were depleted as he was the only bread winner in the family. My brother and sister had just gotten an apartment and were to start college when my father got ill. They withdrew from school just as quickly as we moved them into their apartment in order to help my mother take care of dad. My father attempted to return to work, but he was still having chest pain and major depression. In September of 2008 he was in the hospital again and needed heart stents to open up blockages. After that situation he physically could not go back to work. He was weak, depressed, and very withdrawn from life. My mother, bless her heart, tried to find ways to make some cash. She sold many pieces of her jewelry to try and pay bills. Regardless of what she profited, she was unable to fulfill the mounting medical bills, credit card bills, car payments, insurance bills, etc.
It wasn't long before she became gravely ill. In the summer of 2010 my mother had succumbed to kidney failure and had to be on kidney dialysis permanently. She had neglected to take care of herself while trying to take care of my father and their financial woes. Along with the financial woes, there were back taxes that were still owed and of course were impossible to pay, their house was falling apart--still is. By the end of Spring 2011, my mother got so ill and was on a ventilator at least 4 times in a 2 week period due to her lungs filling up with fluid. Finally it was discovered that she had endocarditis (infection in heart)that had ravaged one of her heart valves. This required open heart surgery and replacement of the defected valve. The endocarditis stemmed from an infected temporary dialysis catheter. She was in the hospital for over a month and a half or so. Needless to say she was confused, lost tons of weight, and lost the ability to walk or care for herself. She was placed in a nursing home for rehab, but several more stays in the hospital only made her fall several steps back on her rehab and she never has fully recovered. It was discovered that she also had a tumor on one of her kidneys and her kidney was removed in the Fall of 2011 and supposedly it was all contained and it was early stage renal (kidney) carcinoma (cancer). While my mother was in the hospital my father had trouble breathing and I took him to the hospital. It as discovered he was in kidney failure and they both ended up in the hospital at the same time. Now my father is on permanent kidney dialysis.
Now fast forward to present day April 6, 2012. My mother's dialysis shunt would not stop bleeding and she was taken to the emergency room. She also complained of right leg pain and ultimately she ended up with a CT angiogram. This test revealed she not only had some blockage in one of her arteries in her leg, but that she had metastatic cancer to her liver, lungs, and a site near her spleen. Of course we are devastated.
They have no money. The money they do get is always depleted as soon as they get it from Medicare. My mother's social security check went straight to the nursing home and still was not enough to cover her bill. My father would have to pay over $1,000 a month because Medicare would only pay for several weeks. Since she has been in the hospital now for almost 2 weeks, we have pulled her out of the nursing home because the expected us to pay over $180 A DAY to keep her spot at the nursing home.
Now we are faced with a surgery to fix her leg, a plan for cancer treatment, and no suitable place for my mother to live. Their current home is in shambles and I mean SHAMBLES. Roof leaks and is falling apart. I assume there is some black mold lingering. No central air or heat as their units are broke. Plus large amounts of stuff--my mother also was a hoarder. The house is disgusting and it has been hard to clean up with out major assistance and with constant trips to the hospital who has ample time (?). They live in a small town and it is very hard to simply get a dumpster to throw many items away. The house would have to be completely gutted and redone. The floors are sinking in and it is very dangerous. They don't have the funds to fix any of it and nor do I.
I have missed work several times over the last year and more with FMLA, but never have enough PTO to fully cover my own losses.
My siblings have yet to start their lives. They have been with my parents ever since 2007 to help them with everything. Even when my mother was in a nursing home my siblings and my dad would go see my mom every single day--we just didn't trust the care of the nursing home and rightly so because she developed a bed ulcer on her heel after the wound care nurse said it was getting better--not even close! And yes the blocked artery in her leg and her bed ulcer on her heel are related. The wound care nurse and the Dr. for the nursing home should have caught this medical issue.
So life has been tough, but reading about it doesn't even give it justice. We need financial assistance, a new home or help to fix it--we need a lot of help. I want my brother and sister to finally get on their own feet and do what they want to do. I feel bad for them because I was able to finish college and have a career, a husband, and a home. They have yet to accomplish their goals and it makes me sad and sick to see them so depressed. They are in their late 20s and my parents are both 65 y.o.
If anyone has a kind heart, I promise you I'm not lying. I have proof of all I have written about and I swear on everything--my family, my husband, etc. that this is all real. Thank you for your time and interest. If you can't help at least please pray for us.

I'm trying this BegsList as desperation as I don't know what to do. My wish is to get them a nice clean place to live and live their last years worry free.

Hi I am a mother and a wife going through an extreme financial crisis with my family. I know this is odd to put on here, and I can't even believe I'm doing this. I am begging and pleading to please deposit a dollar in my paypal account. My husband was working, and he quit to go to another job that seemed great. It was 4 more dollars an hour, the hours were great ect. When he was supposed to start, the "new" job told him, there was no work lined up. Needless to say he was very angry. But he just put on his happy face and kept moving forward. He can't go back to his other job, as they already filled the position. What baffles me, is that this "new" job is the one who called him and said when are you ready to start, we have work lined up. We were so excited, because he waited for like a month and a half to see if he was going to be hired or not. What happened was this new place didn't get the contract they thought they were going to get. They should of never called him unless they were positive they had this contract. If they would of waited, my husband would still have a job.I would hope this wouldn't happen to any of you. This all happened two weeks ago, today... actually. Ever since he was told there was "no work" lined up, he has been up and out everyday looking for a job. Putting applications in online, and setting up interviews. If you have a job, consider yourself very lucky. No matter what, your job is not that bad. At least if you have one, if you do. We have 3 children, and I am scared to death. We have passed due bills, the mortgage, etc. I can get more detailed if you request. He was supposed to start last Monday, the 19th. We live pay check to pay check, not by choice. Unforeseen circumstances put us in the situation that we are in. My husband had, and still has medical problems, and neither of us have health insurance, as many of us Americans don't. He was on disability for a few years, and he requested to be taken off of it, so he could work. He also is not any better, but he took that time to get all his surgeries, that did nothing, except make it worse. Prescriptions are expensive, we have to pick and choose what prescription medications we are going to be able to get. I'm not going to elaborate any further, but if would like to know the whole story, you can email me. I will also provide what evidence I can, so you know that this is not a made up story. I want to thank each and every person, that just took the time to read this, even if you can't help. I know a lot of us have fallen on hard times, I just ask if you could please donate to us, or ask someone that could. If you are able to donate please email, and I will give the email for paypal. I just ask for a dollar, in hopes several people will be able to help us. It's a very scary situation to be in. I hope by reading this, you know in your heart that I am being honest. Please consider a donation to us. I thank you all and have a Blessed night.

Well. Like many on here, I have to swallow my pride because I'm suffering and can't make ends meat. Back in December. I learned I had a leak on my pipes. When I rcd a $498 water bill, needless to say I was shocked. I work only part-time at a school helping special need kids and have one at home myself. They cut back my hours. there looking for ways to cur back schools budget. I was sacraficed. I get about 250 every 2 weeks. One month I will pay electric then next another. I'm always behind. My son has pdd Nos and is a joy but he suffers cause I. Can't take him anywhere or feed him foods he likes due to our low income. I have to pick him up every other Sundays 2 nhour drive from his fathers so food gets pasted so u can get my child. Oh I can't afford car insurance. I don't know what else to for. I would like to pay off KY divorce lawyer and get insurance and braces fir Michael and get rid of my bills. Water iou. $498. Rent $500. Lawyer. $2,000. I.surance. approximately 50 per month. Braces and dental for me: 10,000 which is asking a lot. Better smile to move on with my life would help me and my child. God bless good people who care and want to help. I also want to go back to svhool

Hi. Im 60 years of age, live alone and self employed. I owe $1000 for 2010s taxes which has now become $2000 plus approx. $1000 for 2011s taxes plus Ive fallen behind in state and local taxes. None of these are real estate taxes I rent. Im able to keep rent and utilities paid but cant get these taxes caught up. The IRS put me on a payment plan for 2010s tax but that doesnt do a thing for 2011, 2012 or state or local. I went to a good friend who loaned me $4000 which would have paid all these taxes but just then I lost the engine in my work van $4500. I have 2 credit cards together have less than $1000 limit needless to say they are now maxed. I am not able to make payments on 2010s, 2011s and quarterlys on 2012s taxes plus this personal loan. I will not let my friend down so I have to let these taxes go again unless someone can and will help. Once Im caught up Iasure you Ill be able to keep caught up. This is the first Ive known of BegList I started search for help because I was out of options and saw the # of people in the same boat. I read someone promised to pay it forward and now I see I need to do that also. PLEASE HELP!

Hello,
I am a single mom, with a disabled child. I was hit with a double surprise last month in the loss of 2 of our social security checks. I had intended to pay the past due water bill last month, but this situation threw a monkey wrench into an already precarious situation. According to social security, we lost the checks because my son turned 16. These agencies never pre-warn you, and if they even attempt to notify you, they send multiple conflicting information, which is not clear on what they are doing.
Because the water has been turned off, and the bill finalized, I now have to pay a total of 343 in order to have the service restored. The utilities company contacted my landlord, who has issued a 7 day notice to me because the lease says that I cannot have the utilities turned off for any reason.
I trust God, and I know He will come through for me somehow, because He's never failed me, but I am getting a bit concerned, as I have exhausted all options. God usually moves very strongly when that happens, so when I saw this site, I figured I'd try it, because you never know what direction He will move from.
The local assistance agency says they can see the loss of income that created this emergency, but want me to provide proof of income replacement in order to get the assistance; which I cannot yet do as I am still unemployed and seeking work.
It's amazing to me; the timing of this. After being forced to wait almost an entire year, due to lack of finances; to take my licensing exam and pay for my license to work, I chose to sacrifice a bit on the bill in order to do this, because I cannot work without the license. I did the right thing, and did not break the law in violating that rule, but waited until I could get my license to practice massage therapy. Now, I am facing the loss of our home. Even if I attempt to set up advertising, the arrangement will take more than 7 days to set up the deals and get the clientele in, and I won't get paid until the clientele have redeemed their deals. My license just arrived, and the doctor that was going to hire me, has "changed the direction of his business." So needless to say, my time is limited and I need some immediate help to remedy this situation. I appreciate your time and interest in reading this, and any assistance you can offer. God bless.

It's very simple really. 5 years ago my husband and I got a vasectomy... I had a feeling then that I didn't want to do it but we just couldn't risk a pregnancy because of our financial state. Now we are much better off and we would.like another child. There a several highly recommended places near our home in Colorado but the procedure costs between $2500 and $3000 and needless to say hard to come up with that kind of cash. If anyone out there would like to help the happen it would be appreciated more than you would ever know!!!

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

Hi everyone, I am asking for you help with donations to help my family. My story is one that involves a split family. It starts in 2006 when my ex-wife took my two children away to another city with out my knowledge. Being in the military I was not able to up and relocate to be close to them. Taking on the debt load from the past relationship and marinating a home for myself and children was the start of my struggle. Thru many lawyers and court appointments I received 8 days a month visitation due to the 3.5 hrs distance between us.
3 years pass and I was remarried. Due to the unfortunate loss of my father we came into an inheritance, we were able to balance out our debt and for once we felt some relief. Still with only 8 days a month we yet again went back to court to try and obtain more access in the summer. As with all messy divorces my ex was unwilling to budge and wanted no more than 2 non-consecutive weeks in the summer for access. Luckily for us we were granted a full month each year.
With that good news came notice to us that we were to be posted to the same city my children lived. Once we were posted to the same city the military deemed that I was to deploy to Afghanistan, with this came a lot of training and travel to complete this all while my wife was pregnant with our son. As I know being in the military not everything will go as planed, I missed the birth of my son. Once my rotation was complete we were able to make new attempts to have more access to my children (in the original agreement between my ex-wife and myself we agreed to a set amount for child support).
Once my ex-wife found out about us wanting to have the children 50/50 she asked for an increase in child support and put my two boys into hockey to try and burden us financially. Needless to say hockey is very expensive and with the increase in child support (equivalent to another mortgage) we started to sink into debt again. My wife was unable to work due to child care costs of over $780/month, legal bills thru the roof and a vindictive ex-wife making all attempts to keep me from my children.
As if that wasn’t enough, my lawyer was suspended from practice, my wife’s and my 19 month old has now been diagnosed as possibly having celiac disease.
To sum it up, we are left with $200 per paycheque to buy groceries, gas for the car and anything else that may come up which in turn we needed to rely on our credit cards. Trying to get my children 50/50 is at a stand still now because no lawyer will take us on unless we have $2000 as a retainer, we don’t qualify for legal aid due to the fact that on paper I make too much.
So this is why I have turned to asking for help, to regain financial stability, gain access to my children and try and provide for my 3 boys and remove the stress from my wife. Any help would be greatly appreciated. We thank you for taking the time to read this.

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

Short of blowing my brains out, I feel as though there is no light at the
end of the tunnel. I never could have envisioned being in the current
situation that I find myself in. Let me explain...My wife and I have been
married for 20 years and are raising 2 kids, a boy and a girl, both
teenagers. We always thought we were doing a good job at parenting...you
know, instilling laughter and family, morals and virtue, dignity and self

worth, etc. We just reached our 50's and were looking forward to possibly
traveling and spending some time together once the kids left the nest.
However, all that came to a screeching halt last year when our daughter
informed us that she was with child.(She was only 15 at the time!) KABOOOOM!
Talk about devastation. To add insult to injury, the young man and his
family went so far as to deny acknowledgement of the baby for the first six

months of his life, and to this date, (he's 10 months old) have not
contributed a dime to the babies welfare. To compound the injury, I was laid
off from work three months after his birth.
Needless to say, it has taken a tremendous toll on me and my wife. We have
exhausted our savings on rent, car payments, car insurance, utility bills,

medical bills, diapers, formula etc. We can barely buy food. There are days
I don't eat, just so the rest of the family can. I don't sleep much, between
looking for work and taking care of my grandson, (he is a blessing in
disguise. He gives me the strength I need to keep going. I put him to sleep
humming Amazing Grace) I find that I am experiencing intestinal pain as well
as severe migraines at times. I think I'll chalk it up to depression and
stress.

I've served my country proudly, and was honorably discharged...a few medals,
some ribbons, presidential letters of appreciation and so forth, but when I
asked for any type of assistance from the government I get denied because I
made a few dollars more than the threshold.

It gets better...the house we were renting was sold and we were given 2
weeks to move, we robbed from Peter to pay Paul to get into our current
residence. Now we find that we may have to move again by the beginning of
the new year, which at this time is impossible to do on our own. Needless to
say, Santa won't be making any house calls this year. (Although I will do
whatever it takes to make sure my grandson has a 1st Christmas.)

All of our bills are past due, due for disconnection or have been

disconnected. There is just no way we can do it by ourselves anymore. This
is by far the hardest and most embarrassing thing I've had to do in my life
and I'm not proud of it...however, as the song says "I ain't too proud to
beg". We need desperately for a miracle to keep from being homeless. Please
help us.
They say when life gives you lemons, you make lemonade. Unfortunately, I ran
out of sugar. Please help us. God Bless!

Paypal - Chrisb_78@live.com

Short of blowing my brains out, I feel as though there is no light at the
end of the tunnel. I never could have envisioned being in the current
situation that I find myself in. Let me explain...My wife and I have been
married for 20 years and are raising 2 kids, a boy and a girl, both
teenagers. We always thought we were doing a good job at parenting...you
know, instilling laughter and family, morals and virtue, dignity and self

worth, etc. We just reached our 50's and were looking forward to possibly
traveling and spending some time together once the kids left the nest.
However, all that came to a screeching halt last year when our daughter
informed us that she was with child.(She was only 15 at the time!) KABOOOOM!
Talk about devastation. To add insult to injury, the young man and his
family went so far as to deny acknowledgement of the baby for the first six

months of his life, and to this date, (he's 10 months old) have not
contributed a dime to the babies welfare. To compound the injury, I was laid
off from work three months after his birth.
Needless to say, it has taken a tremendous toll on me and my wife. We have
exhausted our savings on rent, car payments, car insurance, utility bills,

medical bills, diapers, formula etc. We can barely buy food. There are days
I don't eat, just so the rest of the family can. I don't sleep much, between
looking for work and taking care of my grandson, (he is a blessing in
disguise. He gives me the strength I need to keep going. I put him to sleep
humming Amazing Grace) I find that I am experiencing intestinal pain as well
as severe migraines at times. I think I'll chalk it up to depression and
stress.

I've served my country proudly, and was honorably discharged...a few medals,
some ribbons, presidential letters of appreciation and so forth, but when I
asked for any type of assistance from the government I get denied because I
made a few dollars more than the threshold.

It gets better...the house we were renting was sold and we were given 2
weeks to move, we robbed from Peter to pay Paul to get into our current
residence. Now we find that we may have to move again by the beginning of
the new year, which at this time is impossible to do on our own. Needless to
say, Santa won't be making any house calls this year. (Although I will do
whatever it takes to make sure my grandson has a 1st Christmas.)

All of our bills are past due, due for disconnection or have been

disconnected. There is just no way we can do it by ourselves anymore. This
is by far the hardest and most embarrassing thing I've had to do in my life
and I'm not proud of it...however, as the song says "I ain't too proud to
beg". We need desperately for a miracle to keep from being homeless. Please
help us.
They say when life gives you lemons, you make lemonade. Unfortunately, I ran
out of sugar. Please help us. God Bless!

Paypal - Chrisb_78@live.com

Short of blowing my brains out, I feel as though there is no light at the
end of the tunnel. I never could have envisioned being in the current
situation that I find myself in. Let me explain...My wife and I have been
married for 20 years and are raising 2 kids, a boy and a girl, both
teenagers. We always thought we were doing a good job at parenting...you
know, instilling laughter and family, morals and virtue, dignity and self

worth, etc. We just reached our 50's and were looking forward to possibly
traveling and spending some time together once the kids left the nest.
However, all that came to a screeching halt last year when our daughter
informed us that she was with child.(She was only 15 at the time!) KABOOOOM!
Talk about devastation. To add insult to injury, the young man and his
family went so far as to deny acknowledgement of the baby for the first six

months of his life, and to this date, (he's 10 months old) have not
contributed a dime to the babies welfare. To compound the injury, I was laid
off from work three months after his birth.
Needless to say, it has taken a tremendous toll on me and my wife. We have
exhausted our savings on rent, car payments, car insurance, utility bills,

medical bills, diapers, formula etc. We can barely buy food. There are days
I don't eat, just so the rest of the family can. I don't sleep much, between
looking for work and taking care of my grandson, (he is a blessing in
disguise. He gives me the strength I need to keep going. I put him to sleep
humming Amazing Grace) I find that I am experiencing intestinal pain as well
as severe migraines at times. I think I'll chalk it up to depression and
stress.

I've served my country proudly, and was honorably discharged...a few medals,
some ribbons, presidential letters of appreciation and so forth, but when I
asked for any type of assistance from the government I get denied because I
made a few dollars more than the threshold.

It gets better...the house we were renting was sold and we were given 2
weeks to move, we robbed from Peter to pay Paul to get into our current
residence. Now we find that we may have to move again by the beginning of
the new year, which at this time is impossible to do on our own. Needless to
say, Santa won't be making any house calls this year. (Although I will do
whatever it takes to make sure my grandson has a 1st Christmas.)

All of our bills are past due, due for disconnection or have been

disconnected. There is just no way we can do it by ourselves anymore. This
is by far the hardest and most embarrassing thing I've had to do in my life
and I'm not proud of it...however, as the song says "I ain't too proud to
beg". We need desperately for a miracle to keep from being homeless. Please
help us.
They say when life gives you lemons, you make lemonade. Unfortunately, I ran
out of sugar. Please help us. God Bless!

Paypal - Chrisb_78@live.com

Short of blowing my brains out, I feel as though there is no light at the
end of the tunnel. I never could have envisioned being in the current
situation that I find myself in. Let me explain...My wife and I have been
married for 20 years and are raising 2 kids, a boy and a girl, both
teenagers. We always thought we were doing a good job at parenting...you
know, instilling laughter and family, morals and virtue, dignity and self

worth, etc. We just reached our 50's and were looking forward to possibly
traveling and spending some time together once the kids left the nest.
However, all that came to a screeching halt last year when our daughter
informed us that she was with child.(She was only 15 at the time!) KABOOOOM!
Talk about devastation. To add insult to injury, the young man and his
family went so far as to deny acknowledgement of the baby for the first six

months of his life, and to this date, (he's 10 months old) have not
contributed a dime to the babies welfare. To compound the injury, I was laid
off from work three months after his birth.
Needless to say, it has taken a tremendous toll on me and my wife. We have
exhausted our savings on rent, car payments, car insurance, utility bills,

medical bills, diapers, formula etc. We can barely buy food. There are days
I don't eat, just so the rest of the family can. I don't sleep much, between
looking for work and taking care of my grandson, (he is a blessing in
disguise. He gives me the strength I need to keep going. I put him to sleep
humming Amazing Grace) I find that I am experiencing intestinal pain as well
as severe migraines at times. I think I'll chalk it up to depression and
stress.

I've served my country proudly, and was honorably discharged...a few medals,
some ribbons, presidential letters of appreciation and so forth, but when I
asked for any type of assistance from the government I get denied because I
made a few dollars more than the threshold.

It gets better...the house we were renting was sold and we were given 2
weeks to move, we robbed from Peter to pay Paul to get into our current
residence. Now we find that we may have to move again by the beginning of
the new year, which at this time is impossible to do on our own. Needless to
say, Santa won't be making any house calls this year. (Although I will do
whatever it takes to make sure my grandson has a 1st Christmas.)

All of our bills are past due, due for disconnection or have been

disconnected. There is just no way we can do it by ourselves anymore. This
is by far the hardest and most embarrassing thing I've had to do in my life
and I'm not proud of it...however, as the song says "I ain't too proud to
beg". We need desperately for a miracle to keep from being homeless. Please
help us.
They say when life gives you lemons, you make lemonade. Unfortunately, I ran
out of sugar. Please help us. God Bless!

Paypal - Chrisb_78@live.com

Short of blowing my brains out, I feel as though there is no light at the
end of the tunnel. I never could have envisioned being in the current
situation that I find myself in. Let me explain...My wife and I have been
married for 20 years and are raising 2 kids, a boy and a girl, both
teenagers. We always thought we were doing a good job at parenting...you
know, instilling laughter and family, morals and virtue, dignity and self

worth, etc. We just reached our 50's and were looking forward to possibly
traveling and spending some time together once the kids left the nest.
However, all that came to a screeching halt last year when our daughter
informed us that she was with child.(She was only 15 at the time!) KABOOOOM!
Talk about devastation. To add insult to injury, the young man and his
family went so far as to deny acknowledgement of the baby for the first six

months of his life, and to this date, (he's 10 months old) have not
contributed a dime to the babies welfare. To compound the injury, I was laid
off from work three months after his birth.
Needless to say, it has taken a tremendous toll on me and my wife. We have
exhausted our savings on rent, car payments, car insurance, utility bills,

medical bills, diapers, formula etc. We can barely buy food. There are days
I don't eat, just so the rest of the family can. I don't sleep much, between
looking for work and taking care of my grandson, (he is a blessing in
disguise. He gives me the strength I need to keep going. I put him to sleep
humming Amazing Grace) I find that I am experiencing intestinal pain as well
as severe migraines at times. I think I'll chalk it up to depression and
stress.

I've served my country proudly, and was honorably discharged...a few medals,
some ribbons, presidential letters of appreciation and so forth, but when I
asked for any type of assistance from the government I get denied because I
made a few dollars more than the threshold.

It gets better...the house we were renting was sold and we were given 2
weeks to move, we robbed from Peter to pay Paul to get into our current
residence. Now we find that we may have to move again by the beginning of
the new year, which at this time is impossible to do on our own. Needless to
say, Santa won't be making any house calls this year. (Although I will do
whatever it takes to make sure my grandson has a 1st Christmas.)

All of our bills are past due, due for disconnection or have been

disconnected. There is just no way we can do it by ourselves anymore. This
is by far the hardest and most embarrassing thing I've had to do in my life
and I'm not proud of it...however, as the song says "I ain't too proud to
beg". We need desperately for a miracle to keep from being homeless. Please
help us.
They say when life gives you lemons, you make lemonade. Unfortunately, I ran
out of sugar. Please help us. God Bless!

Paypal - Chrisb_78@live.com

Short of blowing my brains out, I feel as though there is no light at the
end of the tunnel. I never could have envisioned being in the current
situation that I find myself in. Let me explain...My wife and I have been
married for 20 years and are raising 2 kids, a boy and a girl, both
teenagers. We always thought we were doing a good job at parenting...you
know, instilling laughter and family, morals and virtue, dignity and self

worth, etc. We just reached our 50's and were looking forward to possibly
traveling and spending some time together once the kids left the nest.
However, all that came to a screeching halt last year when our daughter
informed us that she was with child.(She was only 15 at the time!) KABOOOOM!
Talk about devastation. To add insult to injury, the young man and his
family went so far as to deny acknowledgement of the baby for the first six

months of his life, and to this date, (he's 10 months old) have not
contributed a dime to the babies welfare. To compound the injury, I was laid
off from work three months after his birth.
Needless to say, it has taken a tremendous toll on me and my wife. We have
exhausted our savings on rent, car payments, car insurance, utility bills,

medical bills, diapers, formula etc. We can barely buy food. There are days
I don't eat, just so the rest of the family can. I don't sleep much, between
looking for work and taking care of my grandson, (he is a blessing in
disguise. He gives me the strength I need to keep going. I put him to sleep
humming Amazing Grace) I find that I am experiencing intestinal pain as well
as severe migraines at times. I think I'll chalk it up to depression and
stress.

I've served my country proudly, and was honorably discharged...a few medals,
some ribbons, presidential letters of appreciation and so forth, but when I
asked for any type of assistance from the government I get denied because I
made a few dollars more than the threshold.

It gets better...the house we were renting was sold and we were given 2
weeks to move, we robbed from Peter to pay Paul to get into our current
residence. Now we find that we may have to move again by the beginning of
the new year, which at this time is impossible to do on our own. Needless to
say, Santa won't be making any house calls this year. (Although I will do
whatever it takes to make sure my grandson has a 1st Christmas.)

All of our bills are past due, due for disconnection or have been

disconnected. There is just no way we can do it by ourselves anymore. This
is by far the hardest and most embarrassing thing I've had to do in my life
and I'm not proud of it...however, as the song says "I ain't too proud to
beg". We need desperately for a miracle to keep from being homeless. Please
help us.
They say when life gives you lemons, you make lemonade. Unfortunately, I ran
out of sugar. Please help us. God Bless!

Paypal - Chrisb_78@live.com

Short of blowing my brains out, I feel as though there is no light at the
end of the tunnel. I never could have envisioned being in the current
situation that I find myself in. Let me explain...My wife and I have been
married for 20 years and are raising 2 kids, a boy and a girl, both
teenagers. We always thought we were doing a good job at parenting...you
know, instilling laughter and family, morals and virtue, dignity and self

worth, etc. We just reached our 50's and were looking forward to possibly
traveling and spending some time together once the kids left the nest.
However, all that came to a screeching halt last year when our daughter
informed us that she was with child.(She was only 15 at the time!) KABOOOOM!
Talk about devastation. To add insult to injury, the young man and his
family went so far as to deny acknowledgement of the baby for the first six

months of his life, and to this date, (he's 10 months old) have not
contributed a dime to the babies welfare. To compound the injury, I was laid
off from work three months after his birth.
Needless to say, it has taken a tremendous toll on me and my wife. We have
exhausted our savings on rent, car payments, car insurance, utility bills,

medical bills, diapers, formula etc. We can barely buy food. There are days
I don't eat, just so the rest of the family can. I don't sleep much, between
looking for work and taking care of my grandson, (he is a blessing in
disguise. He gives me the strength I need to keep going. I put him to sleep
humming Amazing Grace) I find that I am experiencing intestinal pain as well
as severe migraines at times. I think I'll chalk it up to depression and
stress.

I've served my country proudly, and was honorably discharged...a few medals,
some ribbons, presidential letters of appreciation and so forth, but when I
asked for any type of assistance from the government I get denied because I
made a few dollars more than the threshold.

It gets better...the house we were renting was sold and we were given 2
weeks to move, we robbed from Peter to pay Paul to get into our current
residence. Now we find that we may have to move again by the beginning of
the new year, which at this time is impossible to do on our own. Needless to
say, Santa won't be making any house calls this year. (Although I will do
whatever it takes to make sure my grandson has a 1st Christmas.)

All of our bills are past due, due for disconnection or have been

disconnected. There is just no way we can do it by ourselves anymore. This
is by far the hardest and most embarrassing thing I've had to do in my life
and I'm not proud of it...however, as the song says "I ain't too proud to
beg". We need desperately for a miracle to keep from being homeless. Please
help us.
They say when life gives you lemons, you make lemonade. Unfortunately, I ran
out of sugar. Please help us. God Bless!

Paypal - Chrisb_78@live.com

Short of blowing my brains out, I feel as though there is no light at the
end of the tunnel. I never could have envisioned being in the current
situation that I find myself in. Let me explain...My wife and I have been
married for 20 years and are raising 2 kids, a boy and a girl, both
teenagers. We always thought we were doing a good job at parenting...you
know, instilling laughter and family, morals and virtue, dignity and self

worth, etc. We just reached our 50's and were looking forward to possibly
traveling and spending some time together once the kids left the nest.
However, all that came to a screeching halt last year when our daughter
informed us that she was with child.(She was only 15 at the time!) KABOOOOM!
Talk about devastation. To add insult to injury, the young man and his
family went so far as to deny acknowledgement of the baby for the first six

months of his life, and to this date, (he's 10 months old) have not
contributed a dime to the babies welfare. To compound the injury, I was laid
off from work three months after his birth.
Needless to say, it has taken a tremendous toll on me and my wife. We have
exhausted our savings on rent, car payments, car insurance, utility bills,

medical bills, diapers, formula etc. We can barely buy food. There are days
I don't eat, just so the rest of the family can. I don't sleep much, between
looking for work and taking care of my grandson, (he is a blessing in
disguise. He gives me the strength I need to keep going. I put him to sleep
humming Amazing Grace) I find that I am experiencing intestinal pain as well
as severe migraines at times. I think I'll chalk it up to depression and
stress.

I've served my country proudly, and was honorably discharged...a few medals,
some ribbons, presidential letters of appreciation and so forth, but when I
asked for any type of assistance from the government I get denied because I
made a few dollars more than the threshold.

It gets better...the house we were renting was sold and we were given 2
weeks to move, we robbed from Peter to pay Paul to get into our current
residence. Now we find that we may have to move again by the beginning of
the new year, which at this time is impossible to do on our own. Needless to
say, Santa won't be making any house calls this year. (Although I will do
whatever it takes to make sure my grandson has a 1st Christmas.)

All of our bills are past due, due for disconnection or have been

disconnected. There is just no way we can do it by ourselves anymore. This
is by far the hardest and most embarrassing thing I've had to do in my life
and I'm not proud of it...however, as the song says "I ain't too proud to
beg". We need desperately for a miracle to keep from being homeless. Please
help us.
They say when life gives you lemons, you make lemonade. Unfortunately, I ran
out of sugar. Please help us. God Bless!

Paypal - Chrisb_78@live.com

Short of blowing my brains out, I feel as though there is no light at the
end of the tunnel. I never could have envisioned being in the current
situation that I find myself in. Let me explain...My wife and I have been
married for 20 years and are raising 2 kids, a boy and a girl, both
teenagers. We always thought we were doing a good job at parenting...you
know, instilling laughter and family, morals and virtue, dignity and self

worth, etc. We just reached our 50's and were looking forward to possibly
traveling and spending some time together once the kids left the nest.
However, all that came to a screeching halt last year when our daughter
informed us that she was with child.(She was only 15 at the time!) KABOOOOM!
Talk about devastation. To add insult to injury, the young man and his
family went so far as to deny acknowledgement of the baby for the first six

months of his life, and to this date, (he's 10 months old) have not
contributed a dime to the babies welfare. To compound the injury, I was laid
off from work three months after his birth.
Needless to say, it has taken a tremendous toll on me and my wife. We have
exhausted our savings on rent, car payments, car insurance, utility bills,

medical bills, diapers, formula etc. We can barely buy food. There are days
I don't eat, just so the rest of the family can. I don't sleep much, between
looking for work and taking care of my grandson, (he is a blessing in
disguise. He gives me the strength I need to keep going. I put him to sleep
humming Amazing Grace) I find that I am experiencing intestinal pain as well
as severe migraines at times. I think I'll chalk it up to depression and
stress.

I've served my country proudly, and was honorably discharged...a few medals,
some ribbons, presidential letters of appreciation and so forth, but when I
asked for any type of assistance from the government I get denied because I
made a few dollars more than the threshold.

It gets better...the house we were renting was sold and we were given 2
weeks to move, we robbed from Peter to pay Paul to get into our current
residence. Now we find that we may have to move again by the beginning of
the new year, which at this time is impossible to do on our own. Needless to
say, Santa won't be making any house calls this year. (Although I will do
whatever it takes to make sure my grandson has a 1st Christmas.)

All of our bills are past due, due for disconnection or have been

disconnected. There is just no way we can do it by ourselves anymore. This
is by far the hardest and most embarrassing thing I've had to do in my life
and I'm not proud of it...however, as the song says "I ain't too proud to
beg". We need desperately for a miracle to keep from being homeless. Please
help us.
They say when life gives you lemons, you make lemonade. Unfortunately, I ran
out of sugar. Please help us. God Bless!

Paypal - Chrisb_78@live.com