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My husband is a disabled, retired Army veteran. About 10 years ago he purchased a camp in Maine that he planned to fix up and move into for his retirement. Unfortunately he has suffered flood damage twice, once he had flood insurance, or thought he did, but the insurance company refused to pay saying they hadn't processed the payment on the day he opened the policy and the flooding occured over the weekend so he was not covered! The second flooding FEMA came in and didn't bother going under the house so they only gave him $800! Both times the flooding destroyed all the insulation and a great deal of work. He now has to jack up the house, have a foundation put in, then level everything in the house. He cannot live there. He applied for an equity loan from the bank as the property is valued at $139K and there is no mortgage. But we have moved to Nevada as I was offered a job here that paid better than back east. We want nothing more than to get this house fixed up in Maine so we can either sell it or possibly retire there. Right now if someone was willing to give an equity loan of $40,000, we would take that instead of begging. Please consider helping us before this Maine house gets flooded again and we lose everything there. If each person who reads this can only give $1, it wouldn't take long to reach our goal and then we could give back in the future!

I don't like the word beg but I guess that is what it is. My pride is high and I hate asking for help but I don't know what else to do. I saw something on TV and decided to try this. Here goes!
I am a 39 year old with 3 children and a disabled husband. I have a lot of issues right now that I am trying to deal with and keep my family off the streets. I don't mind sharing my story if need be because honesty is the best policy. My husbands SSI is very low, as if he has not really worked and he is over 50. I have been trying to keep my head up and keep my bills paid. I work but my job is a PRN position because it was all I could get. I was making a fairly good pay until they decided our department needed cut backs and cut our hourly pay almost three dollars. I am trying so hard to finish school to be a LPN and then a RN. I have been trying to finish school since 1992. I know that if I can get my degree, I can provide for my family. So, I have bills up my butt and school is hard. Now, I am dealing with losing my financial aid because though I have a high enough GPA, my other cumulative average is below standard. I knew nothing about that. I was focusing on making sure my grades were good enough. My 14 year old daughter is pregnant and I can't even afford to begin buying baby things or think of how to save for it. My husband is so content with his little check until nothing else matters. My oldest daughter is in college with me trying to get her LPN but her hearts desire is to be an OB/GYN but they changed the required score level for the SAT and ACT and she registered one quarter to late to get in. Had she registered earlier, she could have gotten in the school she wants to attend but now she has to go to a local college and earn credits and then transfer, IF her grades are good enough. ON top of all that, my husband was just hit in the rear by another driver and our car was totaled and he was hurt. So, my only car, of which I was paying on still, is gone and I owe to much on it for the insurance to pay it off.
I feel overwhelmed, depressed and like I will never make it. I am working, attending school, and trying to write a book and do a gospel CD. Anything to try and bring in money to support my family. I really don't know what else to do.
I don't know if this works or not, but I am willing to try. I have felt so bad until at times I wanted to just end it all but I know that is not the example I want for my children. I want to see my grand daughter born and I want my children to finish school and do better than me, but also see me come out of my struggle. I keep telling them I am going to buy the house we live in, they keep laughing and even with that, the land lord is talking about putting it on the market because I can't come up with what I need to even start buying. I pray that God blesses my household and family. If someone does decide that my issues are worth helping, then I pray God bless you with an overflow for your blessing me. I don't know what else to say but thank you in advance. As embarrassed as I am, I can only pray this is real. If not, at least I got to vent and get it all of my chest. I had no one else to tell anyway.
Thank You!

I am a 21-year old single mother. I have been divorced for almost a year now, and have been struggling ever since. I do not have any immediate family. My mother is currently incarcerated.

I recently was diagnosed with cervical cancer, and have to have surgery. I currenlty do not hold a health insurance policy, simply because I cannot afford to.

I really appreciate you taking your time to read my (short) story. Anything will be greatly appreciated. Thank you and God bless.

Hello,

Recently, I quit my job and started up my own eBay business. It had been a dream all my life, to own my own business. I started just a few months ago, and everything was going flawless. I have a great supplier, great products, and great customer service, etc. While we were new on eBay, they had set limits on how much we could sell and Paypal put 21-day holds on all our funds, till the customers received their items. It was just recently, that we turned into eBay Powersellers and received the status of "Top Rated Sellers".

Everything was going just perfect, up until recently. My mother-in-law needs a LOT of teeth work done. So, I decided I would list my cherished Jimi Hendrix poster online, to raise funds for her teeth work, because my business was new and not to the point of affording $5000 teeth work. I put it up for a 10-day auction and everything was going just fine. About halfway thru my auction, it was generating bids and lots of interest!

Then, the bottom fell out..... A gentleman from California was interested in our poster, and stated that he would like to purchase it. He said if we took the listing down, he would send us $3500. We agreed and took it down. He paid us within 10 minutes! We thought we had hit the jackpot. Not only was my business taking off, now I could afford my mother-in-laws teeth work! The very next day, I put his poster in the mail and we went to pay the down payment at the dentist and a few other bills off. Everything was looking good. Later that night, I received an email from Paypal, that the buyer had put a claim in! He stated that it was not as described, even though he had not even received it yet! It was still in route, thru the postal service. He had buyers remorse and Paypal froze my funds up.

No big deal, I am an eBay Powerseller, I should be able to make the funds really fast, right? No. When a customer buys something from us, we use their money they just paid us, to purchase their part and have it shipped to them. If my Paypal account is frozen and in the red for $3000, I am not able to sell anything or ship anything off!

Now, Paypal has paid the customer back and I am just sitting here trying to figure out what to do next. My dream I had started and finally got off the ground, is now ruined. I worked 20 hour days to get this off the ground, and now feel like a failure. I cannot do anything until the money is paid back. I have no way of doing anything.

I quit my job to do this and we are now struggling. It actually makes me sick, knowing I tried so hard to get to the Powerseller level, to have it all ruined because a customer wanted his money back on an item I had a "No Refund Policy" on. Paypal ruled in his favor without even talking to me.

My Paypal balance is a -$2741.79. I really need help getting it back to ZERO. Please consider a donation for a guy that is really trying to do something with his life. I am a 40 year old male and have been a failure all my life and now I have something that is working, and just when my family started noticing, my hopes were all dashed again. Failure surrounds me.

I could really use any help you can give at this time. I am a "Pay It Forward" type of guy myself. If I am helped out of this mess, I will Pay It Forward in the near future, to a charity in the same amount.

Thanks for your time,
Cody

Today, I'm not posting a beg for help. I really do not think I will get any. I'm going to post how I feel and how we're doing. Get things off my chest so I can move on with my day because I'm stressed out.

We were contacted by a new company. We are now set up to work and doing work for them. We had people loan us money and time to get things ready so we could work for them. It takes money to make money and so on.

My husband and son drive to this area for the job which is hours away. They were not given enough material for the job, so twice they had to buy material.( thank goodness for the loan) This put them way behind schedule and they could not complete the job yesterday. Now you come to the point of, do you spend $100.00 on gas and hours driving or try and find a cheap place to stay. Well we couldn't afford the place to stay nor the gas (profit margin thing),so they slept in the truck. I didn't sleep well worrying.

Today they get to the place to complete the job and the guard said to them "we really don't allow people to work here on Sunday". He lets them in anyway, they are hopeful that if they wait until noon, they won't get thrown out. Mind you this is construction work and this is a upscale neighborhood with I guess a policy against noise, construction work on Sundays.

I am thankful for the work, I wish it had gone smoother yesterday, yes, we will make a little money if they can complete this job today.

I am going to pray for the little things again today and be thankful for what we have. I have taken to talking to god a lot lately. I'm tired of talking about my problems to friends and family.

If you read this post say a prayer, I'm praying for all us. May God bless us all, Hopefully

I am in desperate need of a job. I have 15 years of experience inn all forms of HR, payroll, benefits, employee relations, hiring,policy and procedure - both in a office and plant area. I'm good at what I do, and enjoy it, but I have exhausted all I had saved to survive this long. If anyone knows anything about a job, or has open, I would really appreciate an opportunity. Thank you.

following 27 yrs continues employment i became unemployed for the first time ever at the age of 41 back in jan 10,since then i applied for 576 jobs with out sucsess,however 3wks ago i was finally sucsessfull and am now employed as a fulltime community carer, my new job requires me to use my own car as i am providing care in the community,during my year of unemployment i had to ask for the help of shelter scotland as i was unable to maintain my monthly mortgage payments.understandably this has had a adverse affect on my ability to get credit/loan which i desperatley need for repairs to my car and to upgrade my insurance policy as i will be transporting service users with various learning difficulties and disabilites. i need to borrow £1000 but the only loans that are available to me are well out of my affordability range,i can make monthly repayments of £50 until until debt plus intrest is repaid in full, i can provided all relevant paperwork to back up all that i have said. please can someone help me out with this thankyou.

Hi
My husband, who is a Vietnam vet, passed away recently (October 8th, 2011) from Bone and Lung Cancer at home. First of all, he wanted to spend the rest of his life home with me and our pets (three Mini Dachshunds and two kitties). Also, the VA wouldn't be able to control his pain enough so that he could enjoy the remainder of his life so he went under Hospice care. They strive for quality of life and they were amazing.

The problem with that was that when you die at home, the VA covers nothing at all. Had he died in the VA they would've covered his funeral expenses. We didn't have life insurance. He had started a policy, but the bill for the first payment came in on Monday, the 10th. He died Saturday the 8th.

He died here at home and then was placed in the funeral home morgue until we could come up with enough of a down payment for his funeral (I believe it was $2000.00) I still owe something around $5,000. He stayed in that morgue for around three weeks before we could gather up that money. Not a good way to treat a vet at all.

I had left my job to take care of and be with him until he died, this is what he wanted. We didn't have insurance or any kind of state medical help. We lived on his disability check that he received monthly. There are no survivor benefits, VA or Social Security I've been told either. We had only been married a year. We have been together since 2002, but got married Sept. 21, 2010. We had our first anniversary a couple weeks before he died. As far as I know, SS people have told me we must have been married for ten years in order to get any kind of survivor benefits.

We had sold our boat, truck, and spent any money that we had toward our living expenses and to help with down-payment on funeral.

Now, I'm back to work but it is part time, I make $7.50 per hour (sometimes as little as 20 hours every two weeks). Telephone survey taker. I don't qualify for state help other than food stamps.

I've been looking for work since he died and not getting any responses at all. I am on the Michworks website numerous times a day, every day besides checking the local papers, and any other things I can think of.

Right now as I write this, I am due to lose our home (we rented this for the last nine years). My rent was due on the first. I have borrowed money, sold household items, and gotten help from the area charity places that I could. Every month has been a struggle and every month I think "okay, I've gotten the rent paid this month and I SHOULD have a new job by the next time the rent is due", but sadly it is not working that way. I don't know what to do anymore. I'm beginning to lose faith. I absolutely cannot get rid of our pets either. I promised I would never let anything happen to them and I wont. Besides, they are our little ones, our family that we had together. They are also what is keeping me going. I cannot imagine life without them and him too.

I am at the end of my rope now. I didn't want to resort to this and it really is a blow but I don't know what else to do anymore.

I hope that there is someone out there that will read this and be able to help me somehow.

Thank you so much.

Hi

I know no one gets into debt in purpose but I really need some help. My car failed its MOT back in Sep and my insurance company tried scamming me out of £1000 to have it repaired. Long story short the work was only worth £300! I was trying to argue my case when they were still taking payments on my insurance policy and for the MOT to be done. This tipped my account balance into my overdraft ( which I didn't even know I had) my bank then started piling on charges and all of a sudden I couldn't pay my insurance company anything and even when I tried and put money in my account to pay it off my bank would just eat it up calling it charges. I now have the insurance companies debt collection agency hounding me and I don't know what to do. I owe in total £500. My parents aren't very well off and don't know what to do either. I have a job but it only jut about pays for me to get to my course and back everyday. Please can someone help before this gets worse. Thank you so much already for reading this, x please cobtact me either via email at katehelmy@ymail.com or 07414672627 thanks.

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!

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!

Years ago I had money in savings, I had great credit, donated to charities, and was never late on a single bill.....Until I met the mother of my child. I did not find out about her financial difficulties until after she was pregnant with our son. I spent large amounts paying off her creditors, so our child's future wasn't compromised by his mother's debt.

That was a mistake......

The mother of my child only wanted to take care of him after we ended our relationship....and she realized that I could pay her child support. For the last 6 years I have fought in court and finally have reached the point of having him a full 50%.

The problem is that the legal bills for the last 6 years for my attorney and 2 GALs were thousands of dollars. To keep up the payments for my fight, all other bills had to be charged, and my college tuition all went on school loans. Those loans were put on forebearance and the interest has piled up. In addition, I am allergic to just about everything except food and have had to have treatments to keep my allergy attacks under control. I also suffer from sleep apnea and have a costly machine and more medical bills from that.

After never missing a bill or paying late in my entire life, I finally missed payments early this year and declared bankruptcy in mid-year.

However, my mounting school debt is still there, plus the attorney fees from both the custody battle and the bankruptcy. I still have to pay child support, even though my son lives with me 1/2 time, because I can't afford to pay my attorney to fight it.

I have two mortgages on my home, (which has lost value) and can barely make the payments. Every month I am on the edge of not being able to pay all of my bills.

At my current employer, there are many jobs that I can not apply for per company policy. I work long hours and have nearly an hour commute each day, plus an extra 1/2 hour to get my child to school on days I have him. So my working hours outside of my first job are limited. No one seems willing to hire me for a second job due to this.

I would love to be able to pay all of my bills each month, without having to worry if the check will clear, or if I can buy gas today.

Any amount would help and would be greatly appreciated.

Need $143 to help keep car insured and internet and phone working for job search. Even a few dollars will help. Policy and utilities are at risk of being canceled. Any amount received over the requested amount will go for other utilities. There is no one else in this household and no strong support network or agency that can help. Also facing medical challenges. If four people donate, that would be only $36 apiece.

Thank you.

I worked in a youth Mental Hospital. Many of our kids were getting hurt due to the way they intermix the type of problems and disorders these kids have. MRDD kids on the same unit with high IQ Behavior disorder kids with violent criminal charges from rape to murder. These MRDD kids are very low IQ and are unable to understand the manipulation that the BD jail kids are capable of.
This led to MRDD kids getting sexually abused, manipulated, and viciously attacked many times leading to hospitalization and even surgery to repair the damage. I started out sending emails to the director of the hospital and then on to the CEO. I was wrote off and dismissed despite the number of kids that were getting hurt. I was told that we had to take all kids of patients depending on who the market was paying for and we would just have to find a way to make it safe, then to make things worse they started to lower our staffing. When they saw that I was not going to let it go they fired me saying that I had broken some BS policy. They have been fighting my unemployment and now I am fighting to keep my home. I am also still fighting them in the local press and court but since I am seen as a whistle blower I seem to be unemployable at this time. I have no regret for this fight but I do not want my own kids to suffer for my decisions. We have no money for Christmas and my son smiled and hugged me when I told him I had no money for his birthday last month. I don’t like to ask for help but it’s all I have left. Thank you.

Hello. I am a commercial driver in need of financial help. My situation is 100% verifiable. On 9/20/11 I was driving a tractor trailer in Lamar, Pa, delivering a load to New Jersey when my truck caught on fire. To escape certain death I had to jump out of the burning truck, sustaining injuries in the process. A few minutes later the truck exploded and was incinerated. There was no driver error. Everybody who hears my story tells me that I'm lucky to be alive. However, Ive been out of work ever since. I do have legal representation in a workers comp case pending in Pa. My lawyer informed me that it may take up to a year before I start receiving workers comp benefits because my employer failed to have workers comp coverage while operating his business in Pa. I have absolutely no income. I lost my home and is now staying with a relative, sleeping on his couch. My car was towed due to expired tags. My bill to get my car out of the tow yard is now $2500 and rising daily. If I dont get my car out I will lose it in less than two weeks. I'm in serious pain daily from my injuries but cant get medical treatment because I dont have medical insurance and is forced to wait until I begin receiving workers comp benefits before I can get medical treatment. I applied for and was denied public assistance because I have only joint, and not full, custody of my 6 year old daughter. Even though NC Dept Of Social Services sympathized with what happened to me they told me that nc dss policy dont allow a parent with only joint custody of his child to get public assistance despite the fact that the nature of my occupation (over the road commercial transportation)prohibits me from having full custody of my child. I cant work until I receive treatment for my injuries. I dont know what else to do for money while waiting for my workers comp case to go through.I currently cant even provide food for myself and my daughter. Everyday I'm sinking deeper and deeper into destitution, anxiety and depression.I am sincerely hoping that somebody will read my story on Begslist and decide to help me. I am a hard working American citizen that, through no fault of my own, was involved in an on the job incident that left me injured, homeless, carless and destitute. I need help.Again, my situation is 100% verifiable. If you have any questions please call 980-345-7601 and ask for Wayne. Any and all help you can provide me will be truly appreciated.

HI, IM A STUDENT AT OSU AND TAKE MY COURSES THROUGH ECAMPUS IM A JR. IN THE SCHOOL OF PUBLIC POLICY MAJORING IN POLITICAL SCIENCE AND MY COMPUTER CRASHED... I NEED A LAP TOP PLEASE

HI, FIRST OFF IM NOT GOING TO SPIN SOME SOB STORY ABOUT MY HORRIBLE LIFE (I HAVE A FABULOUS LIFE) IM NOT GOING TO SELF MY SELF OUT EITHER. SO, I REALLY NEED TO CLOSE THE FINANCIAL GAP BETWEEN MY COST OF ATTENDANCE AND MY FINANCIAL AID AWARD (4950.00 A YR) IM A JUNIOR AT OREGON STATE IN THE SCHOOL OF PUBLIC POLICY STUDYING POLITICAL SCIENCE WITH A MINOR IN PHILOSOPHY. BESIDES ATTENDING SCHOOL FULLTIME, I WORK PART TIME AS AN ANTIQUE BROKER AND PERSONAL ASSISTANT TO MY TWO SPOILED AND WELL DESERVED KIDS. ANY HELP CAN BE SENT TO MY SCHOOL DIRECTLY OR I CAN SEND VERIFICATION OF MY ATTENDANCE AND COSTS. THANKS

I just moved to new york, got a gig through Craigslist and my client is not paying me in a timely fashion. I need 650 by the end of today or me and my friends could be evicted. My landlord has a zero-tolerance policy towards late payments. This is an emergency, I have nothing left. Please help.

I wouldn't be here if it wasn't my last resort. Life has thrown me a curve ball I couldn't catch. My daughter and I have been living with my Grandmother since early 2010 when my wife abandoned us after being diagnosed with post par-tum depression and turning to a life of drugs a few months after giving birth to our beautiful Daughter. I wasn't able to pay the rent, utilities and daycare expenses on my own so my Grandmother being the loving woman that she was agreed to put a roof over our heads while I started attending a technical school to further my education and career so that one day soon I could get a better job and be able to afford things on my own. A few months into my schooling my Grandmother fell ill. She started having problems doing daily tasks and eventually was forced to retire early. Which left her with a small 401k and a feeble social security fixed monthly income. She no longer had the money to take care of us and the tables turned on us it was I that now had to care of her. In late 2010 she was diagnosed with small cell lung cancer and needed an oxygen concentrator to breathe properly. No longer able to do regular daily tasks we all take for granted. I had to put school on hold to stay home to care for her and my Daughter. My Grandmother wasn't to keen on going to a nursing home nor was I willing to put her in one when I was in a position to help her as she had done for me, we also could no longer afford daycare for my Daughter. A few months went by and we seemed to be getting along fine but, the doctors bills were piling up and we were forced to choose between the mortgage and continuing doctor care for my Grandmother. As the months passed my Grandmother continued to get weaker no matter how hard she tried to stay active by playing with or reading to her great granddaughter. In the beginning of March she could no longer get out of bed on her own. I had to carry her to and from the bathroom, cook and feed her all of her meals and generally keep her as comfortable and happy as she could be. At that time we were 4 months behind on the mortgage and struggling to keep the electricity that her life depended on, on. On June 8 2011 my grandmother passed away. She didn't have a large life insurance policy which only covered her burial and some of the doctors bills. She tried to leave me her house in her will but, probate court is trying to take it away from us because the house is going to be in foreclosure soon, we are now about to be 10 months behind, and her other reaming debt (doctors, credit cards...). So I am here today to ask for various kinds of help ranging from advice to money. I am not asking you to pay the entire debt and the house off but, for maybe enough to put my daughter back into daycare so I can find a job and hopefully save my house. In the almost 3 months since my grandmothers passing I have tried numerous ways of getting my daughter into daycare so I could find a job and be able to support my daughter and myself and possibly save the home my grandmother so graciously left to us but, to no avail.I am begging you for support. I need advise as to the best course of action to appeal to the probate court and save our home. I need the money to pay for daycare for my daughter which averages $100 a week. To pay off my grandmothers remaining debt which is close to $5,000. Pay for representation in probate court to appeal our case and to get caught up or pay off the house, we are now behind 6,751.16 on a total left of 33,514.81, and to get current on the utility bills which I have miraculously managed to keep on for the last 3 months by selling all of my worldly possessions. I am in a desperate situation and I'm begging for help. Like I said I don't expect to receive enough money to pay all of the debt but asking for enough to get my daughter back into daycare so I can try to save us. I hope you can find it in your hearts to help in whatever way possible. It would be greatly appreciated by my daughter and myself in this great time of need. I beg you for your prayers and generosity and Thank you for the time you took to read my story, Just writing it helped alleviate a little bit of stress. Thank you from the bottom of our hearts All of you will be in my thoughts and prayers. Any advise is greatly appreciated and can be sent to zenkiawdsm@gmail.com. Thank you
-Jeremy and Abigail

My financial troubles are seriously quite real themselves. I thought of all the times I've give money to people when I was well off enough to do so. I can't even begin to describe the problems I have right now. I'm working to get back into a business administration degree as well as find a better part time night job. I'm a stay at home dad during the days of two young children. I'm also getting a divorce (yay for financial problems)

Yet honesty seems to be the worst policy in this society. Truth is I'd much MUCH rather have a good full time job than beg for money or anything else. I can tutor people in computer software use, hardware, game design. I could cook for anyone, do anything really. Still I have never received even a single donation. I should probably try a highway off ramp since the guy who comes into my store makes hundreds a day doing that. Sad since I barely make a week. (and truthfully I don't know why he does it after a month of that I could get myself back on my feet! though I'd still probably have to work a job for less pay (which is why he probably doesn't) but I would be working instead of begging which is important)

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

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

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

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

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

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

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

Thank you for your time.

I hate this. I don't think I've ever asked for help in my life and I feel a little ashamed for doing so. I'm bawling, and angry at myself and well, at just about everything right now.

My husband and I have been married for four years and we recently bought our first house together. (Well, condo actually because we can't afford a house.)

My husband suffers from severe depression and anxiety. While it can fluctuate, currently he's on a downward spiral. This is the worst I've seen him in the 8 years I've known him. It's been absolutely heartbreaking to see him like this. We have him seeing a psychiatrist and a therapist - the psychiatrist keeps prescribing medications that our prescription drug plan doesn't cover (mostly because he's tried entirely too many things) and are expensive. He's seeing a therapist once a week that we're paying for out of pocket as well. We started him in an anger management class but we can no longer afford it. For the past 3 months or so, it's been very difficult just to get through day-to-day activities for him, and it's taking it's toll on me as well.

Anyway, when we moved we used most of our 'extra' money for all the unexpected costs associated with buying a new home. (Silly first-time homebuyers. We had no idea what to expect.) So we were stretched pretty thin to begin with. Now, after being here a few months we find that our car insurance will be increasing by 50%. (Apparently we should have stayed in the city - we thought moving away from it would be better!) Not only that but we will have to pay the difference on our policy for the few months retroactive to the tune of $900 each month for June and July. Unfortunately since our little nest egg was used in all the 'new home' expenses, we just don't have anything extra to cover this. We tried to cancel the car insurance to just take the bus for awhile, but since our car is financed they won't let us do that.

Then... I lost my job on May 27th. We were given less than 24 hours notice that the company was closing. I was working at an at-home position, which was so perfect for me as I too suffer from depression, anxiety, panic attacks, and migraines, so working from home was always a blessing. I'm unable to apply for unemployment as my job was self-contracted (basically paid under the table and I was to file tax documents at the end of the year).

To add insult to injury, my company has not yet paid us for the PREVIOUS paycheck owed, nevertheless our final paychecks.

My mortgage is due, my condo fees are due, my student loans are due, of course there is the car payment and insurance due, the groceries are running low. My husband has stopped taking his medication, stopped going to anger management classes, and we've cut his therapist down to once every other week. We've already cut unnecessariy things like cable, tried adjusting our budget, etc but we just can't make it through these next two months, especially if I don't get paid or I don't find a job right away.

I'm desperately seeking a new job, but in the meantime our bills are piling up and we just can't pay them since I haven't been paid in a month. I don't know what to do. I know things will get better. They have to. But right now I'm having a hard time convincing myself of anything otherwise... We just need to get back on our feet.

My father passed away unexpectedly about a month ago. Shortly before that I was laid off due to the uncertain status of financial aid at the school I was working for. My mother has MS and is in need of 24 hour care which my father used to provide her with. He did not have a life insurance policy that will cover much more than the cost of his funeral. We have come to the sad conclusion that we must let the house go into foreclosure and possibly file for bankruptcy. To make things even harder my older sister skipped town and left my 12 year old niece with us. I am grateful that I have the time to be home with her now due to my situation but it has made our financial situation impossible. I have no health insurance and can't afford to pay my bills anymore. The situation is bleak and I am scared. Any help that somebody could give would be greatly appreciated. The biggest need of course is money to pay for the daily things such as health care, toiletries, gas to put in the van (her van is a gas guzzler due to it having to be handicapped accessible).

Hi, my name is Julie Cesari. Last January I lost my job with Xanterra Parks and Resorts here in the Denver metro area (you can google it, and shows that I am for real). I had a medical issue that made me miss too much work after my FMLA ran out. I don't blame the company, it was their policy. I am desperately searching for another job, which is not easy. I was evicted from my apartment and I have to live in extended stay hotels which is not cheap. I am trying hard to keep from living on the streets, once that happens the chances of finding another job becomes next to impossible. It costs about $28 per night to stay at the hotel, $189.99 for the week. My unemployment which is only $165 a week can't cover that, and I also need gas to get to job interviews and also medicines.I am overdrawn $112 on my bank account and I'm needing work on my car. If anyone is willing and able, please help me, I would be most grateful. Thanks and God Bless.

I am an only child, I am not married and I have no children. My dad died 15 years ago. My mom was ill for the past several years with Alzheimer's. I refused to put her back into a nursing home. She was there for 3 months and almost died. I became a full time caregiver to my dear mom at home. For the last year and a half my mom was bedridden. My mom died last month of MRSA. Now my life is a nightmare.

My mom had no life insurance policy. Until I can find a job I have no money to pay her funeral and other bills. Ten days after my mom died I was sued by a collection agency. I am so depressed that I've been thinking of ending it all to be with my parents.

I would greatly appreciate any help in paying all these bills while I try to get on my feet.

Thank you.