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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!

Hello,
I am at the point of almost giving up. I admit that over the years I have always made sure every one had what they wanted and didn't look at priorities but I always paid my bills. I recently resigned from a great paying job so that I could be home with my family and help my kids out with babysitting. I admit that again I wasn't looking at priorities but again I am watching out for family. I have recently picked up 2 part time jobs and am also beginning to clean houses. I am in need of help right now so that I can help with a wedding and a new baby and also to help my brother keep his home. I know I have a bad credit score but I ALWAYS pay off what I owe just may be later than it should be causing a bad score but always pay it off. Because of this I can't get a personal loan. Please help me in any way you can. I PROMISE I will continue to help people every chance I get too. I have paid for peoples gas when I walked in to pay for mine and they didn't have enough money, I tip people well, I would like to ask for help in the way that I try to help others Please I am on my knees begging for help. any help will be appreciated and thank you and God Bless

Background:

I was born in Argentina, but have lived in Texas since I was 5. I had no say in it; my parents decided that’s what was best for me since Buenos Aires was so crime-ridden. I graduated high school like normal kids, went to a community college right afterwards, and worked part time to cover its costs. I got an Associate’s in Science (Nursing) and then dropped out since I couldn't afford to attend a university nor decide on a major. My GPA was a 3.4 at the time.

I'm now 25, working full time (Geek Squad, can’t do much with an associate’s), studying electrical engineering, married to my high school sweetheart, and have my goals set! I just have one thing holding me back...MONEY. Since I backtracked when I changed majors, I had a few sophomore classes to take. I'm finishing them at the same community college, and I'm registered for the Fall semester at the University of Texas at Dallas (Junior level courses). I have gotten nothing but As since I've been back!



Why I Need Your Help:

Now, you may be wondering, why can't I use FAFSA? Well, I recently obtained my permanent residence. That was a big roadblock growing up. One of the agreements I had with our nation was that I would not use federal funds (welfare, food stamps, grants, FAFSA, etc) for the next 10 years. I work full time and attend as many classes as I can per semester; I have no time for lollygagging.

Sallie Mae can only loan me so much, and banks nowadays make it very difficult to borrow from for school. All the scholarships I’ve looked for require either citizenship or full time enrollment, neither of which I am. (Can’t enroll full time because I need to work full-time to make ends meet) My father is a construction worker and I don’t know my mom, she left us when I was 7. I just sold my laptop on eBay and made myself a cheap one from recycled parts. I've tried getting internships, but I'm not deep enough into my career to be eligible yet. Nearby family members don’t have any spare cash, and don’t make enough to co-sign a loan for me….So I’m here, hoping some kind strangers can help me out.

I am a hard working student, good Samaritan, bilingual, a jokester, drug-free, do calculus in my head, pay taxes, 740 credit score, and drive a broken down Pontiac. My only goal right now is to finish school with flying colors as soon as possible; just need this financial roadblock to meet a wrecking ball.

Will you help me smash it down?

Hi.

Thanks for taking the time to read my request. I'm 30 years old, still in college and living with my parents. I've made a lot of great accomplishments in my life with far less support than most people who make it this far. Of course, with that said I've also made plenty of mistakes.

I grew up with a single parent, and another parent who visited annually just to stir up emotions and make my life miserable. When I was 18, I decided to work really hard to lose weight so that I could join the US Air Force. I had a strict plan that I was going to follow to succeed in life.

Unfortunately my superiors in the USAF would not accommodate that plan to independence as they forced me to find my own way from the barracks to work (a 40 mi drive), so I had to immediately struggle to get my drivers licence and I had to buy a car on an Airman's paygrade.

My income wasn't enough to afford the car and gas and other living needs that I was expected to pay, so eventually I had to leave the Air Force before my term was up (under honorable conditions). I tried to work as a civilian. The transfer was tough and I was vastly uninformed about what to do and what my options were. I'm the first first generation college student of my extended family.

After some petty jobs that would each take more than 10 years to be able to earn enough to live independently, I finally found a nice nighttime custodian job that was at least simple enough for that kind of pay. I was the night time custodian, but I was also a guy to have on call at this retirement home where I worked. If people's toilets flooded or a nearly deaf resident left their tv on past quiet hours (once I could hear one through 3 floors!) I was the guy to send up to fix it.

Having my first satisfying job as a civilian, I was able to investigate community college during the day, so eventually I enrolled and tried taking a few classes while working full-time. College was my saving grace. I never felt like I belonged anywhere until I first started to take college courses in math, science, and philosophy. I found the tutoring lounge on campus, made a lot of friends there, and I spent many hours cramming and helping those in need.

This soon led to me finding financial aid, making arrangements with my parents (my mom and my stepfather) to let me go to school full-time while I lived with them, and putting in my 2 weeks notice at work to focus exclusively on school.

My counselors advised that I pick where I want to transfer to and then figure out the details of how to get there after I got accepted. I think this was bad advice. While I ended up choosing to transfer to a university that had my desired major, Biophysics, it was 60 miles away from where my parents lived. My car that I had bought when I was in the Air Force also eventually broke down from not being able to afford maintenance while I worked, and was towed away for being in the public street for too long.

Finally, I got accepted to UC San Diego to work towards a degree in Physics with a specialty in Biophysics. When it came time to transfer, I got as involved as I could on how and when I was supposed to receive the financial aid so that I could go get an apartment and everything, and my school kept telling me, "you should get it tomorrow" until about 2 weeks into my first quarter when I finally got the support.

Despite this rocky start, I managed to get into a good shape for myself, making my way slowly but surely through school. Learning a great deal. Eventually when I felt the struggle was too difficult, I changed my major to Neuroscience before I began my upper division coursework.

So, as I settled into my schooling and struggled with maintaining financial independence on financial aid, I managed to get myself into maintaining a great aquarium hobby, owned two great little kittens from a street cat program, led as president of a student organization for one year, and eventually I got married. I also carefully learned about the stock market and managed to make some great gains with money that I had invested from financial aid savings.

In 2010, my gains were over 100%. That amounted to $2000 doubling itself, but still, that says a lot about me as a trader. However, 6 months into my marriage, she said she wanted out, grabbed the car that we both paid into (most of the money was mine from stocks; $5500 worth), and refused to pay her share of 2 months rent. That happened in December of the year of 2010.

2011 was a difficult year for me. I fought hard to maintain things, especially my head, but it was tough. I lost 45 lbs from exercising regularly, made lots of new friends, and I got some volunteer work experience in a Neuroscience lab. But I just couldn't focus well enough to maintain my finances and my grades, so I had to drop out and live back with my parents.

Despite how tough it's been, not finding work, struggling with the ins and outs of the VA, and just needing a professional therapist to talk to and help me keep my head straight but never being able to get one, I've managed to recuperate well enough and learn a lot more about this bottom floor of society that I've been so desperately trying to escape my whole life.

I've gone looking for opportunity in every direction. I've tried changing my career goals, collecting recyclables, writing online, trying any online scheme that didn't include me forking out money to get it, imagining what I could write as a novel, tried to make money through playing video games, making goal after goal after goal for myself, but still just not being able to get just the right amount of money to put me back on my feet.

I'll be going back to school in April at the risk of having to do it as a homeless person if the VA doesn't pull through for me. They recently approved my 10% service connected disability status and now I need to jump over a few more hurdles to get my more significant service connected disabilities recognized. I'm also seeing what the vocational rehab people can do for me despite the bureaucratic issues that are stopping them from helping me all the way.

BTW, this whole time that I've gone through life with common lower class difficulties, I've been disabled with a number of small conditions that all add up to a hard time. I have lower back issues that the military has yet to own up to. Community college found also that I have a learning disability which makes some intellectual tasks show up as lower than average ability for me while the rest of my intellect is high enough to expect that I could easily get a Masters Degree or a PhD. My biggest difficulty in school is that they don't give me enough time to show them what I know or what I'm capable of.

From working with special needs students as a tutor, I have proven to myself that there is a major problem in the education system. Most teachers never simplify the material into a clear picture of what they want to teach. If you want someone to learn something, the last thing you should be fuzzy on is what it is exactly that you want them to learn. We can't all work like intuitive Jedi or sophisticated parrots.

If you help me out, here is a list of the priorities of what your money will go towards, in order of their priority If you would like to request that I spend your donation on a specific cause, please let me know:

1. A working cheap economic vehicle.
I need something that I can sleep in and that will take me wherever I need to go. Preferably something that can stow quite a few recyclables as well to pay for gas, but not an SUV or truck or van (Unless that's all that is cheap of course. Not likely but you never know.).
I'll aim for great gas mileage, but I'm thinking that I should attend some police car auctions to see what the cheapest deal I can find is. This car would make a great shelter for me while I return to my far away school.

2. Investing on the stock market.
Trust me, I know how to fish. If you want to send me a request for proof I'd be glad to compose some evidence of my finest moments as well as my worst to show you that I can do well for myself on the stock market, even during the recession. What I could really use right now, is a little bait. Trading is good money for me, but to make enough to make gains worth more than the commission cost (about $10), you need about $300-1000 per investment. $300 is more for the high risk lottery plays on the market. I even made a blog about it if you would like to see:
http://www.squidoo.com/TheYoungidealistEconomyBlog
If you are willing, we can arrange something personal so that you wont need to worry about me putting the money you offer at high risk and blow it all. Might even be able to arrange something where I could make money for you to prove myself before accepting your donation. Whatever the case, I know we'd have to make it a personal arrangement to satisfy the current laws.

3. Working towards paying my debts to my friends.
My friends have been really supportive through these hard times, though they are starving students themselves. To keep up my morale they've bought me food, given me a place to crash when they could, and even paid to have me join them at fun local events. I have some money that I've promised them back, and I plan on making due on those promises as soon as possible.

4. Paying off my debts with companies.
I've had times where I couldn't afford to pay for rent and had to leave, like when my wife left me to live with her parents. These issues follow me on my credit score and I would like to work towards removing them so that I can turn my life around.

5. Getting a good start towards paying off my student loans.
I know I won't be able to pay them off before I find a good career with my degree. I would just like to have something to start making some automatic payments with and put that part of my bad credit score behind me as well.

6. Buying a home.
My mom never owned a home. No offense meant to land lords out there, but I really think the rental system is way out of line. My mom was always a hard worker. Way better than me, yet she could never own a home because she didn't have the money. Meanwhile, people with money could live in great big houses for less than she even had to pay.
I want a house to own. Probably start with a condo and seek ways to improve it and flip a profit out of it. Then I want to keep building up money from housing until I can manage to build an apartment building.
If I could, I'd like to make an apartment building near a university that offers cheap housing using the Japanese capsule model or something even more economic and more comfortable.

7. Making an online tutoring site meant to offer free tutoring and tutoring for tips. Imagine a site (I have yet to know of one) where people can collect their resources on a class, much like they collect info on ratemyprofessor.com, but also seek help from others who are taking the class or who have taken the class. Donors like you can offer money to tutors who post their notes and stories on the site, alongside ratings from other students that they helped.
Some tutors can offer their rates for help, sell their notes online for cheap, or just offer their help whenever they can and ask to be tipped through paypal if someone likes their work. My hope is that such a site could help to put an end to sophistry in the college system once and for all, making education easy and affordable for everyone.

8. After I have everything I'm hoping for above, the sky is the limit. But I would prefer to put the extra money that I don't need to good uses. I would spread a little philanthropy around, give to others in need on this site and through other resources.
I'd also look to teach others how to fish. I think a great way for the economy to be fixed would be if philanthropists made some really good employee owned companies. Make the place pay for itself, skim a little off the top, and walk away knowing that you really were a job creator.
I think that everyone who is capable of work and who chooses to work deserves to have their own independent living situation. I know that we are a long way from that, but I tend to be an optimist. I would like to try and make the world a better place, if nothing else.

Aside form financial help, I'm interested in anything else that I could get that's useful. Advice, Neuroscience Career connections, work, hobby or volunteer work that can easily become lucrative, I'm really all ears. Thanks again for taking the time to read my request. I hope you find it in you to help me out, even get to know me if you'd like. Bet you $5000 I can make you laugh. Did I win? >;) it was worth a try anyway.

Good day Sir/Madam,

Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need loan to settle your debt or pay off your bills or start a nice business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Do you need a loan or funding for any reason such as:

a) Personal Loan
b) Business Start-up
c) Debt Consolidation
d) Hard Money Loans
e) Business Expansion
f) Education E.t.c

We offer loan at 5% interest rate and with no credit check, we offer Personal loans, debt consolidation loans, venture capital, business loans, education loans, home loans or "loans for any reason”. However, our method, offers you the chance to state the amount of loan needed and also the duration you can afford. This gives you a real chance to get the funds you need! Any interested Applicants should get back to me via any of the e-mail addresses below:

(realdealzloancompany@rocketmail.com)
or
(realdealloancompany@gmail.com)

Kind regard,

Mrs. Merry James
Managing Director
Real Dealz Loan Company Ltd


© 2012 Microsoft Windows Reserved

I got your contact from a web directory.
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Good day Sir/Madam,

Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need loan to settle your debt or pay off your bills or start a nice business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Do you need a loan or funding for any reason such as:

a) Personal Loan
b) Business Start-up
c) Debt Consolidation
d) Hard Money Loans
e) Business Expansion
f) Education E.t.c

We offer loan at 5% interest rate and with no credit check, we offer Personal loans, debt consolidation loans, venture capital, business loans, education loans, home loans or "loans for any reason”. However, our method, offers you the chance to state the amount of loan needed and also the duration you can afford. This gives you a real chance to get the funds you need! Any interested Applicants should get back to me via any of the e-mail addresses below:

(realdealzloancompany@rocketmail.com)
or
(realdealloancompany@gmail.com)

Kind regard,

Mrs. Merry James
Managing Director
Real Dealz Loan Company Ltd


© 2012 Microsoft Windows Reserved

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This message has been scanned for viruses and dangerous content by the SmallWorld MailScanner, and is believed to be clean.
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Here's my story... Probably similar to most. I thought I had everything. A perfect loving family, a college degree on the way, and food on my table. Sounds great minus one piece of that equation. College. I finally graduated and found myself with loans and joined the unemployed world. Everything I saved diminished. Credit cards added up. My 730 credit score turned into 400 in less than a year. Thank you college education. I now have a job and am working for pennies living paycheck by paycheck. Thanks college education. I just want to be debt free and start new...

Ever since I moved out of my mother's home and to my father's apartment, my credit score has dropped from 708 to a 544. My mother never properly taught me how to manage my finances and my father never had to be responsible for anything in his life. The one thing they did drill into my head was the importance of education even though neither one of them could contribute to my tuition. At the age of 19 I had a job, two credit cards, a checking account, and a student loan in my name. The move away from my mom drove me into a state of depression and i lost my job, stopped attending classes and barely went outside. Because of my lack of employment I was not able to make the minimum payments of any of my student loans or my credit cards. All of my accounts closed and I had no other choice but to turn to Public Assistance.
Soon after my father lost his job and we were kicked out of his apartment due to his non payment of the rent for the 6 months that I stayed with him. I had no other choice but to live in a women's shelter because neither of my parents could house me and I had no friends who I could live with.
The silver lining in my story has been my ability to get a job that helped me get the studio apartment I currently reside in. The reason why I am here is to ask the assistance of anyone who could help me catch up with my rental payments since I got injured at my job in November. My landlord is threatening to evict me within the coming months and I have no where to go.
What I need to avoid going back to the shelter is $5000. Anything is more than appreciated. Thank you for listening to my story.

Thank you for even reading this because if you have then you are seeking to help people in need and you must have a wonderful heart. I have in recent years reached out to orphaned children in both Uganda and Mexico who needed me so I have no problems with asking for some help myself at this time.

After 3 years of back and forth with Social Security, I finally was approved for federal disability. Thankfully, I can move forward with testing and treatments to figure out what is causing the multiple symptoms disabling me. My sole desire is to get well enough to return to work in at least some capacity. Now I have some savings from back disability owed but not quite enough to finally purchase my own home. I am looking to purchase a modest home that is manageable for me in my condition. One that is safe and secure for me and my toy poodle who deserves something nice. Although I have enough for a decent down payment, my credit has suffered due to my inability to work. My medical bills went straight to my credit report as being unpaid while I waited for SSDI approval and Medicare approval. My credit score is below 600 and I cannot get a loan. I have $20,000 I can put toward my very first home ever. My goal is to get my $20,000 matched in order for me to purchase a small home/condo for approximately $40,000. My income is $955/mo and I still need to find suitable transportation also. My last vehicle was basically stolen by a predatory towing service and I was incapacitated at the time due to my disability and later was unable to afford retrieving the vehicle because of outrageous storage fees. Currently family members are taking me everywhere which can sometimes be more difficult than helpful. I A modest reliable vehicle is what I need. My individual goal is to become self sufficient and self reliant once again...get healthy and go back to work. Any help with the above items would be much appreciated. If I were in a better position I believe I too would be searching to help those in similar situations as mine.

This story is about my 13 year old son, Alejandro Jr. I will not be writing about anything that is sad or depressing, but about something that is wonderful and cause to celebrate. I am writing to share that my son has been accepted into the Fork Union Military Academy, located outside of Richmond, Virginia.

Me and my family are excited about this huge opportunity for my son. The road to get there was not easy however, but God answered our prayers. Alejandro Jr. has always been a very active child with an even more active imagination. As a baby, me and my wife would hear him play all night and could never sit still. During his elementary school days, his teachers would always remark how intelligent he was, but could just never sit still or not be a distraction to his class. What could I say, that is the way he was born.

But he went through elementary school on the honor roll each and every year he was there all the way through 6th grade. He was ready to go into middle school. When he entered into the 7th grade, things changed. There was a lot of bad influence and it started to affect my son because he has always been so innocent. His grades suffered, but he still scored in the top 97% of students in the end of the year state testing.

8th grade fared no better. He wasn’t the same anymore. He didn’t go to a good middle school. Lots of gangs and rumor has it drug dealing was going on there as well. His teachers didn’t care about him because he wasn’t doing the work, but he would still score 100 % on his quizzes and tests. His school wasn’t any help either. My son wasn’t being challenged, he knew the material, but he was not going to thrive in that environment, it seems he was getting harassed by his teachers and staff.

We wanted to remove him from that school as we had been fed up with the school district for a while now. We looked to see if there was an environment where he would thrive. After much research, we heard about the Fork Union Military Academy, which is an all boys military school. We took a look and my son loved it. This fits right in with his goal of joining the United States Marine Corps after high school.

We have been blessed that financial aid has covered roughly half of the tuition, but we are still in need of the other half, which is $10,000, which is due in 5 months. I am asking for any generous donation(s) that one may feel the need to contribute too. If you find it in your heart to do so, me and my family could not thank you enough and if you decide not to do so, thank you for your patience in reading about my son’s story. I wish a Happy Christmas to all.

This story is about my 13 year old son, Alejandro Jr. I will not be writing about anything that is sad or depressing, but about something that is wonderful and cause to celebrate. I am writing to share that my son has been accepted into the Fork Union Military Academy, located outside of Richmond, Virginia.

Me and my family are excited about this huge opportunity for my son. The road to get there was not easy however, but God answered our prayers. Alejandro Jr. has always been a very active child with an even more active imagination. As a baby, me and my wife would hear him play all night and could never sit still. During his elementary school days, his teachers would always remark how intelligent he was, but could just never sit still or not be a distraction to his class. What could I say, that is the way he was born.

But he went through elementary school on the honor roll each and every year he was there all the way through 6th grade. He was ready to go into middle school. When he entered into the 7th grade, things changed. There was a lot of bad influence and it started to affect my son because he has always been so innocent. His grades suffered, but he still scored in the top 97% of students in the end of the year state testing.

8th grade fared no better. He wasn’t the same anymore. He didn’t go to a good middle school. Lots of gangs and rumor has it drug dealing was going on there as well. His teachers didn’t care about him because he wasn’t doing the work, but he would still score 100 % on his quizzes and tests. His school wasn’t any help either. My son wasn’t being challenged, he knew the material, but he was not going to thrive in that environment, it seems he was getting harassed by his teachers and staff.

We wanted to remove him from that school as we had been fed up with the school district for a while now. We looked to see if there was an environment where he would thrive. After much research, we heard about the Fork Union Military Academy, which is an all boys military school. We took a look and my son loved it. This fits right in with his goal of joining the United States Marine Corps after high school.

We have been blessed that financial aid has covered roughly half of the tuition, but we are still in need of the other half, which is $10,000, which is due in 5 months. I am asking for any generous donation(s) that one may feel the need to contribute too. If you find it in your heart to do so, me and my family could not thank you enough and if you decide not to do so, thank you for your patience in reading about my son’s story. I wish a Happy Christmas to all.

I know everybody has a story and there are probably plenty of people on here who really need help. I am sure if you are reading all of these that it is hard to tell who is real and who isn't. This is the first time I have ever done anything like this and to be quite honest, I am embarrassed and ashamed to put it out there. We have always paid our bills and been on time. Up until two years ago i had a 720 credit score too. That is over with. You see we had been foster parents for the last 5 years and had really enjoyed it. In fact we adopted a child through fostering. He is our fourth child, the other three are our birth children, and he is amazing to watch. We know we were doing it for a purpose we might never know what it is but i know I have a son from it that I would have never known.
About two years ago we took in a sibling group of four that were my nieces and nephews. This brought us to 8 children. Our car was too small, our house was too small and for about the first year we weren't receiving any financial assistance. My grocery bill every month was over $1500.00. As you can imagine, most months I had to choose between feeding my kids and paying a bill. I chose to feed them. In doing this we had a home foreclose on us, we had a car repossessed. I couldn't help it. We did the best we could and limped along.
About 6 months ago we discovered the sibling group was being physically abusive to my children. We couldn't help them and hurt our children any longer. We made the difficult decision to let them move to a therapeutic home that would be more of a fit for them. One where they could be together. It was a difficult decision and one that I struggle with everyday. I love them and miss them but was forced to make a decision for my family. I had to choose them.
In the mean time we have tried to get back on our feet but you know how the snowball seems to roll sometimes. You feel like you cant catch a break and wonder why all this stuff has to happen to decent people just trying to do the right thing.
As we speak i can't pay a car payment of 402 which makes it two months behind and if it rolls into january it will be three months and that means they start repossession. I cant pay phone and gas and have until the 21st to do that or they go off and i don't have a thing for christmas for my kids. Its not like i spent too much money on them and cant pay my bills. I don't have anything. I have about $100.00 in the bank to make it until January 1 and I simply don't know what to do.
If you are out there and read this and it touches your heart please help. I have never felt so helpless in my whole life.
I have already sold off anything I had of any value.
I figure if i could get $2500.00 I could get groceries and pay the utilities and car and have a little bit left over for something for the kids for Christmas.

Won't you please look inside your heart and give something, anything.

A couple of years ago, I was going to a university and had to get student loans. Soon after, my wife and I were in a car wreck and it caused us to miss school for a semester. The insurance company did us dirty and we weren't able to get the money we deserved and because of hospital bills and getting a used car, it took most of our settlement money and we weren't able to go back and finish school. And not to get pity, but my mother took advantage of our wreck and somehow stole a good chunk of our settlement that we planned on putting back and we never got that money back. With the jobs we have now on top of other bills, we aren't able to pay our loans and it's killed our credit score. They are now starting to deduct money from our pay checks and threatening to take the little assets we have to our name. I would really appreciate anyone who can help us. We're almost on the brink of being homeless and we desperately need help! We need around $20,000, but our goal is $15,000.

Thanks in advance to anyone who does help. This world would be a better place if there were more people like you! Your help is definitely not under-appreciated!

A couple of years ago, I was going to a university and had to get student loans. Soon after, my wife and I were in a car wreck and it caused us to miss school for a semester. The insurance company did us dirty and we weren't able to get the money we deserved and because of hospital bills and getting a used car, it took most of our settlement money and we weren't able to go back and finish school. And not to get pity, but my mother took advantage of our wreck and somehow stole a good chunk of our settlement that we planned on putting back and we never got that money back. With the jobs we have now on top of other bills, we aren't able to pay our loans and it's killed our credit score. They are now starting to deduct money from our pay checks and threatening to take the little assets we have to our name. I would really appreciate anyone who can help us. We're almost on the brink of being homeless and we desperately need help! We need around $20,000, but our goal is $15,000.

Thanks in advance to anyone who does help. This world would be a better place if there were more people like you! Your help is definitely not under-appreciated!

My back rent is only $2000. A couple months ago I received a cash advance loan to help pay some unforeseen car expenses. Of course, I got caught in a vicious cycle. I am finally back on track except for this one outstanding payment. My apt complex has been very helpful the past few months, but are now at the end of their rope. I need the $2000 lump sum to avoid eviction. Once that is paid, the rest of my life in on track. I tried getting loans from the bank, but I was denied due to a low credit score. My income is sufficient, but I just got behind. I am not looking for a handout. I will be able to pay you back over time or exchange the money with some kind of service to be rendered. Please help! It is greatly appreciated!

I am 24 and im in debt. I realize every person in debt has occurred their debt from some unwise choice or from many. I dont claim to be perfect but i am trying.

Back in 2007 my credit card debt was : $0.00. i didnt believe in keeping a balance on credit cards and never have like the idea. I had a great credit score as well. I had a few student loans from classes i was taking.

Throughout my life ive always had 1-3 jobs when possible or been in school.

Things changed when i made the decision to get married at 20. I got married to a man who was decietful and didnt treat me very well. He didnt work, played nintendo all day while i worked, went to school, and paid for both our tuitions ( which he attended none of his classes). I divorced him 8 months later when he refused to change and i had found out he had been cheating on me and was addicted to pornography. About a year after my divorce i found out that a credit card that was in both our names which he had claimed he had paid off and cancelled after our divorce was still open and showing on my credit report. He had taken my money i gave him for the credit card, paid it off and was about to close it when the bank USAA informed him that if he closed the card he would not qualify for another. He ended up paying it to no balance but not closing it ( so my name was unknowingly by me still on it) he throughout the next year racked up over $10,000 in debt, then filed bankruptcy leaving the debt completely in my name when i had not spent a penny to incur it.

2 years later, i met a man, who seemed to be handsome, rich, and treated me much better than my husband did. we dated for a few months before i started to notice he acted differently from day to day. After about 7 months of dating one day an officer showed up to my home asking for him. I found out that day that my boyfriend had been dealing and using heroin, he was arrested at my place the day after valentines day... the kicker... he was taking my debit and credit cards from my purse, figured out my easy to guess pin and was withdrawing hundreds of dollars from my accounts to pay for his habit. over the span of a few months he had racked my card up $5500. I called the bank to report this and they said since he had my pin there was nothing they could do. ( i still don't understand how that's right) later this same man promised to pay me back everything and signed a notarized document saying so. its been a year since then and i haven't received a dime and only excuses from him. On top of that im trying to live, go to an expensive school to finally get a degree and feel like im drowning in debt. all of which i had no luxury in enjoying any benefit from.

In in the process of trying to find a lawyer i probably wont be able to afford to somehow rectify this. And if i do win, neither of these scoundrels will have a job or anything i can sue them for.

I understand i should have been more smart about who i trust and date. i feel very naive and stupid and i know now i have to be wary of who i trust. I just want a clean slate and some sort of LIGHT at the end of my tunnel to work towards. Im against a wall and asking for help. I HATE to beg. Any donation... no matter how small would help.

I graduated college in 2006 and I currently am working a full-time job with a not so good salary. (unfortunately the field I am in being architecture has been hit hard) I have been here 3.5 years with no raise and I am still making below $ 30,000. I have a college degree and I have taking on more responsibility at work with no reward compensation. I am searching for another job, but in the mean time would like to take advantage of buying a townhome which is about 100,000 while interest rates are low (currently renting)...the problem I am having is no one will lend to me because of my debt to income ratio, but I have the PERFECT CREDIT SCORE above 700!! My current debt is a car payment which is less than 9,000, student loan about 20,000 and credit card which is about 10,000. I know there isn't much I can do about the car and student loan...those are things I needed and will just continue to pay. The one thing I am asking help with is my credit card debt...having this over my head just bothers me to no end and I just don't have the means to make a sinificant enough payment to make a difference in my debt to income ratio! Can someone out there please HELP ME PAY MY CREDIT CARD DEBT??? Anything at all would be greatly appreciated...if I can get that paid down I can work on getting out of a small apartment into a townhome!!

$15,000 could change my families life. We need to move from my home as it needs way to much work to be done on it,it is a money pit. It is a mobile home and just not worth fixing. I have a good steady job w/decent pay,but not good enough credit to get financed for a house. There are several very cheap homes in my area that I could buy for $15000 or less,I know they won't be perfect but I'm not afraid of some DIY repairs.

I'm trying to build my credit,as I have always relied on nobody but myself. I have talked with lenders who have told me that the lending requirements right now are rigid and even with a high credit score most lenders will not finance anything under $40000.

I have been determined to buy cheap,pay off quickly then sell or rent the property. I have very realistic goals,follow a tight budget but just can't get where I want to go.

If anyone would be kind enough to gift the money to me or loan it I would be willing to repay with interest.

Please don't judge me for asking as I can't believe that I am doing this but I need help for me and my family.For those who read this but can't help with money please pray for us and I'll do the same for you.

I am new here and thoroughly embarrased to ask for help.
I'm 58 and unemployed. I have been selling personal items, my house is about to go into foreclosure and bk is also looming. I am looking for work. I used to have good fico score. It's amazing to find yourself in this situation anything will help.John

Ever since I was in middle school, I've wanted to attend NYU Tisch School of the Arts for Music Theater. Now half of my dream has come true! I have been accepted into their program! Unfortunately, I cannot pay for it. After my aid awards, expenses are $40,000 a year, and I can't take out a lot of loans! My dad lives in Peru and never sends me a dime, my grandma is ill and unemployed, and my mom is a teacher who is currently undergoing a salary freeze. As the child of a single parent, I have don't necessarily have the funds to pay for my education! My mom can't take out any loans, so all of the loans would be in my name, and there is no way I can ever pay off all this money! I'm Latin American, fluent in spanish, have a 104% cumulative GPA, am second in my class, have a 2200 cumulative SAT score, almost 300 hours of community service, volunteer for four organizations, have one lots of random awards/honors...do I really need to say more? I've worked my butt off to get this far! And all of this hard work has sadly reaped very little aid. Please, if you have any extra cash, help me go to college!

Ever since I was in middle school, I've wanted to attend NYU Tisch School of the Arts for Music Theater. Now half of my dream has come true! I have been accepted into their program! Unfortunately, I cannot pay for it. After my aid awards, expenses are $40,000 a year, and I can't take out a lot of loans! My dad lives in Peru and never sends me a dime, my grandma is ill and unemployed, and my mom is a teacher who is currently undergoing a salary freeze. As the child of a single parent, I have don't necessarily have the funds to pay for my education! My mom can't take out any loans, so all of the loans would be in my name, and there is no way I can ever pay off all this money! I'm Latin American, fluent in spanish, have a 104% cumulative GPA, am second in my class, have a 2200 cumulative SAT score, almost 300 hours of community service, volunteer for four organizations, have one lots of random awards/honors...do I really need to say more? I've worked my butt off to get this far! And all of this hard work has sadly reaped very little aid. Please, if you have any extra cash, help me go to college!

I have a fiancee who lives in the Philippines. I have known her for the list three years.
About two years ago she hurt her eye when she ran into a metal object. There was bleeding inside her eye and they had to operate to get the blood out. And after that she had medicine to take to keep from to getting infected. And she took it for one month and then she stoped taking to for the next month and got an infection in it and I had to buy medicine again for her to stop the infection or she would go blind.
She has had trouble with that eye on and off ever sence she hurt her eye. I payed for all her medical expences,the operation,medicine everything with what was left over form my college loans and credit cards and other loans.Now I have no more money to help her and my credit score is so low that I can get no more loans.And the Philippine government is such a poor country that you can only get help if you are almost dead and by the time it goes through it would be to late any way.And I can ask the U.S. government for help because she doesn't live in the US and is not a citizen.
She is in pain from her eyes again and I she can't get medicine in time she will lose her eye sight.
This has all been very hard on me because I have no way to help her any more and I will have to be the one that will have to set over here and watch her go blind and there would be nothing I can do about. And adding to my stress is the fact that most of the people I talk to about it don't seen to care.
My mailing address is 225 N. Madison Ave.,Apt. 502
Richmond KY 40475.
Or you could send any donation by paypal. I got signed on to paypal when I was trying to find something on the net that I could help her with.

hello,was laid off 13 months ago,ive been collecting unemployment benefits but they are running out,cant find a job,falling behind on rent and eletricity,would like to go into business for myself,been researching buying a franchise in the vending industry,cant get a loan my credit score is to low,need about $15,000.willing to work hard to pay back,if you can help contact me at :pjohnson980@hotmail.com

I have been living in the same house for over 3 years. The owner of the house is an 85+ yr old woman who has been put in a nursing home. Her adult children have filed eviction against me because they don't want to deal with the rental property (they all live in different states) even though there was a manager in place. I have been paying US$800 monthly for rent and haven't been behind even 1 month since I moved in (Nov 2007). I am on disability (which financially is strike 1), don't have the best credit because of being disabled (strike 2), and now I have the eviction against me (strike 3). I also have 4 dogs, 2 of which are service/support dogs. Finding another place to live is impossible because everyone wants 3x-4x the rent as income as well as wanting a big deposit with 1st month's rent or they tell me I have too many animals.

I have located a small house valued at US$40k, but is listed for short sale for less than US$15k. The property has been kept up & needs no repairs (only inside walls need repainting & new carpeting). It has a nice fenced yard for the dogs. The current owner has been using the house as a rental, but now just wants out of it. I want to purchase the house as a primary residence. I could then use part of the amount that I am currently paying in rent to pay off my past due bills, improving my credit score. This would also give me a secure, safe, and stable place to live that I could call my own. Since I am on disability, it is hard to find a place that fits that description.

Any donations are appreciated. Thank you for your time and consideration. -vikki

I'm 33, hard working and I pay my bills. I've been a productive member of society and care about my community. Thanks to other people who didn't pay their bills, lived beyond their means and allowed themselves to be foreclosed on...I can't get a home loan.

It's not because my credit score is bad or because I don't have a down payment, it's because I'm self employed. It appears I am a "high risk" in the eyes of the bank. It doesn't matter that I can show that I made a profit every year in a lousy economy.

So I've had to change my method of obtaining a home. I'm going to try and do in the old fashion way...pay cash. I just need to accumulate about $6,000. and I'm set. I'm not looking to buy a mansion. Just a simple starter home/fixer upper. My lease is up in July and I don't want to be stuck here another year (no, I won't break a lease).

Please help this hard working guy in Columbus, OH. I'll be sure to pay in forward in the future...I just need a little help getting the American dream.