For the last four years my savings have been depleted and my credit is steadily going downhill due to doctor bills and just daily living expenses. I work as much as I can to provide for my family but there is always more outgoing than incoming. Please help.
200327
doesn't your wife get some coverage under disabilty?  CHeck with your local gov. assistance.  What about her old job.  THey should have information on disability like social security.\n\nalso, you should try to consolidate your bills, and if you haven't *but im sure you have* list all of your expenses and see what can be eliminated and where you can spend less...electric *use less, by turning off unused things*, heating *lowering thermostat*, I know its a pain, but maybe even consider a credit counselor, if you cannot consolidate your debt without help.  Good luck.
85812
Most complexes run one but some don't count medical.If it's a past landlord try to make it right with them.Check your credit and see what is holding you back.You might be able to pay the first 6 mos. or so to get past it.Tell the office up front that you have bad credit and see if they offer advice.Ask if you have a co-signer if it would help.Try a private owner.Ask your current landlord for a reference letter.Call the housing commission in your area.There is usually one place that will help you out but make sure you appreciate it.  Good Luck!
266922
I wish that all of us single parents could team up and help each other out... a single parent watches another single parents kids while they work, vice versa... single parents that carpool... single parents buying food in bulk and splitting between the families... even living in the same households if possible... \n\nIf only I ran the world... but since I don't, I can only provide this suggestion that I provided to another person on these Yahoo! answers:\n\nIt would be a wise idea to do a credit check on yourself first to clear up any concerns before hand. Law states that you are allowed one free credit check per year by the three major credit entities --> Equifax http://www.equifax.com Experian http://www.experian.com & Transunion http://www.transunion.com\n\nGive yourself one to two months after clearing up any "questionable" items on your report, if you needed to in the first place. Then go in for the loan.\n\nI would go to your bank to inquire about a personal loan first... but they may have a cap on what you can borrow (for example, $4000 and looks like you're needing up to $7500).\n\nCitifinancial may have a local branch in your area (check them out and see if there is one near you --> http://www.switchboard.com\n\nJust walk in with a copy of your latest paystub, a list of all your monthly debts and what you owe. If you don't have a branch near you, then call them or visit their websites:\n\nCitifinancial http://www.citifinancial.com\n\nBeneficial is another place... very similar to Citifinancial.\nBeneficial http://www.beneficial.com\n\nGood luck! :)
581475
Try the UNITED WAY debt consolidation I did and the calls stopped and I made one payment a month according to income level and there was no fee. You MUST call your credit card company's and tell them to STOP your cards immediately or it just keeps getting more and more (very very important) don't use them at all go all cash or don't spend. This is a free country thank God and we should not let the Government dictate anything. I hope this helps. Knowone made you go into debt so its you that has to figure a way out. A real challenge indeed, with out claiming bankruptcy (even if you claim Bankrutcy you still have to pay back at a lower rate depending on kind of Bankrutcy and judges decision) go to consumers Q&A on your computer and see what other people are doing and follow what is working for the MAJORITY. It might work for you as long as your debts arent too far out (Hundreds of thousands). It seems the older we get, the less they care about us, not much can be done about that unfortunately. when the goin gets tough, the tough get going .....good luck my friend.... your imagination is thier worst enemy...... Peace
290182
I think you should go to a credit counselor and then a lawyer.  Both will have ideas on what steps to take to get you out of your current difficulties.  Both initial visits should be free.  An friend of mine chose to quit her chapter 13 because she felt the repayment was too high.  You can at least ask about that or maybe making it a chapter 7 so you don't have to worry about it anymore.  You should be able to keep your house and truck.  Really go and investigate.  It can't get much worse I'm sure and at least you will be moving forward.
4755
Credit counselors probably would help.\n\nYou might find the book below to be useful.\n\nNow is the time to straighten out your problem before it becomes overwhelming!!
652427
Living with debt or bad credit can be very stressful, but help is closer than you realize. Improving your credit rating requires that you take positive action and change your attitude toward money. \n \n   \n  Steps:  \n1.   Request a copy of your credit report from a credit bureau. If there is an error, write to the bureau and ask it to fix the mistake. It might also help to contact the creditor who reported the error. Some creditors will contact the bureau on your behalf.  \n  \n2.   If the bad marks on your credit report result from outstanding debts, repay them as quickly as possible. Pay off those with the highest interest rates first.  \n  \n3.   If your debts are overwhelming, contact a nonprofit credit-counseling organization to work out a debt-consolidation plan. A counselor will help you consolidate your debts and will contact your debtors on your behalf to reduce or eliminate finance charges. This can reduce your monthly payments by up to 40 percent.  \n  \n4.   Steer clear of any services that offer you credit-repair or debt-consolidation loans. These companies will plunge you further into debt. Be suspicious of any company that advertises aggressively or sends unsolicited mail or e-mail.  \n  \n5.   Close your credit accounts and cut up the cards. Sell valuables or liquidate assets that will help you repay your debts. Buy the bare essentials (food and gas) and use the rest of your earnings to pay off your consolidated debts.  \n  \n6.   Work with your credit counselor to repay all of your debts. Meanwhile, live a life that will help you re-establish good credit. Pay rent and utilities or mortgages promptly, keep the same residence and job, maintain savings and checking accounts, set a budget and stick to it.  \n  \n7.   Once you have repaid your debts, apply for a new credit card to build a good credit history. It might be easier initially to get a department-store or gasoline credit card or one from an employee credit union.  \n  \n8.   Promptly pay off the balance of the credit card monthly to build good credit. Use the card responsibly.  \n  \n9.   If you don't qualify for a regular credit card, apply for a secured one. With a secured credit card, you fund an account up front and then "charge" expenses on it. This card will show up as a credit card on your credit report and, if used responsibly, can help you build a good credit history.  \n  \n  \n  Overall Tips:  \n Get a copy of your credit report once a year even if you think you have good credit. You may find errors that will damage your credit rating.  \n  \n Filing for bankruptcy is always an option, although your credit history will reflect it for 7 to 10 years, making it very difficult for you to get a car or home loan in the future.  \n  \n Creditors agree to reduce or eliminate interest rates under a debt-consolidation plan because it saves them the expense of collection efforts and increases their chances of recouping the balance.  \n  \n Every application you make for a credit card shows up on your credit report, and multiple applications can hurt your credit rating. To avoid this, use an online service that matches you with creditcard companies that will extend credit to you. Search online for "credit card finder" or "credit card search."  \n\nNo matter how bad your credit is, you can take steps that will make it better. \n  \n1.   Pay all of your bills on time. Late payments (payments that are 30 days late or more) have a negative effect on your credit rating.  \n  \n2.   Reduce the number of credit cards you carry. Write to your creditors to request that they close your accounts and report this status change to all three credit-reporting agencies.  \n  \n3.   Avoid bankruptcies, tax liens (a lien for not paying state or federal income taxes or property taxes) and collections. A bankruptcy stays on your credit report for up to 10 years. Collection accounts and paid tax liens stay on for seven years, and unpaid tax
87232
Pay yourself first!  Start by sitting down and budgeting out your essentials, with costs as accurate as possible.  Then take a look at the money you have left over, and designate how much you can afford to save.  Tell your bank to set up an automatic debit to your savings account for each time you get paid.  When you do this, you pay yourself first, and you know that your bills are paid, you have savings, and the rest is yours to spend as you wish!  When you can't have access to the money, you can't spend it, and it works great for me.  Good luck!
143098
Try going to a credit union.  They usually will let you sign for an unsecured signature loan if you at least have a steady job.
618245
If you can help it do not go bankrupt. Go to a credit councilor and they can help you get the bills lowered and the interest lowered. It is way better in the long run. Since you have three kids have your wife start an in home daycare also that will allow her to take care of the ones you have and make a good living.
44450
I would start by rolling over your accounts to new credit cards that give you 1yr at 0%.  This will greatly reduce your credit balance from going up exponentially.  In that time you stop using your credit and start paying it down.  It will take a while so at the end you should repeat the process and rollover your balance to another credit card.\n\nI know individuals that have been rolling over $50,000 in this manner for over 5yrs.  Borrowing money for free.  Wow it is possible.\n\nGood luck.
275741
I, too am in a similar situation, except I'm in more debt and little older. Instead of bankruptcy, I consolidated my school loans and also applied for financial hardship or income sensitive...whichever one is used for those not making much $$ and i contacted a credit consolidation company. The consolidation company will take over all of your outstanding bills and those in collection aside from things like car and house and school loand payments.\n\nMy hospital, credit, and other similar bills are lumped into a once a month payment under $500 and will pay everything off in 4 or less years...no penalties for paying off sooner.\n\nI think going this route will show that you are taking responsibilty for whatever fianancial problems you may have and should hopefully get back to having good credit. Also, for my credit card, the consolidation company is communicating with the companies for me and will do what they can to have interest rates reduced as well as late payment fees and etc....\n\nfeel free to contact me in regards to all this if you like....
656487
I think you need to read all the replies to your questions carefully and also head over here:\n\nhttp://credit-cards.ebookorama.com/\nhttp://finance.ebookorama.com/\nand  read up the parts on dealing with debt, I have had a best answer posting these to people with similar problems so hope it works for you too.\ngood luck!
548891
Offer a low percentage in writing and make sure you dont pay over the phone.\n \n\nUse the letters in this http://www.expert-credit-advice.com/ free credit repair kit to make the offers, it worked great for me!
632069
I was in the same situation but I'm pretty much out of debt because I consolidated my credit cards.  I'm in a program with Ameri-debt.  If you need the phone number contact me.  They have actually helped me alot and I've gotten a lot of my family members to join and they have felt alot of relief.  Hope I helped.
32657
What you should do is talk to them and explain your situation... Also I would look into going through a debt consolidator... That is what I do... and I was in your situation and now all I have left is less than a year and I am debt free!!!! I had to go to court for one of my bills... and when I did that the person said that they couldnt take money I didnt have, so they worked with me so I am paying a very low payment... SO your best solution is to talk to all of them... They may be able to help you out...
24157
My husband and I had the same problem two years back for the same reasons. We tried everything, even those ads that say they will loan you money with bad credit. It was a scam and we were out a few thousand dollars so be careful of those. We eventually found a person who was willing to do a land contract or lease to own. We leased the house we are in for two years and then when we bought it the money we paid in rent those two years was the down payment on the house. We went through his Credit Union and it was a fairly easy process. He was a HUGE help to us. So I would suggest that route if you can!\n Good luck and I hope all works out for you!