single mom cant pay bills  ,going down fast please help?
347132
Contact a local Gospel Mission Womens' shelter in your community.
757211
Ok, stop, think and breathe, and breathe again.\n\n1.  Call each credit card company and ask them for help....they have a vested interest in helping you.\n\n2.  Tell them you intend to pay each and every one of them.....ask again and again for the lowest interest rate possible, and for a good payment plan that works for you.\n\n3.  Ask each one for help to keep the payments low.\n\nYour statement is confusing because you discuss your husband....sounded like the problem, or your sister's situation.\n\n........Ask and you shall receive....and pray always!
546953
You can contact your public assistance office, The good will, the salvation army, or catholic services may help. Been down the same road you are now. Good luck! Also if you call the power company, most times they will be willing to set up payment arrangements.
218467
Well as far as financial assistance goes good luck and keep trying. However have you considered changing your lifestyle maybe a small apartment, and other ways to be more efficient. It kinda hard to tell what your situation already is but, but wish you the best of luck.
936850
sorry when you have money you can not get help.  I was a single parent as my son was growing up and I did not use aid I got a job and raised him, he then learned if you want something you have to work for it. You could always get a job.  I am disabled and have medicare.  If you are too sick to work you can apply.
780221
You can try the Salvation Army.  Years ago I know they used to pay one month rent, one electric bill and one phone bill.  It would catch you up.  I think they still have this program.  It wouldn't hurt to try.  Good Luck
41377
You will need less money if you spend what you have more efficently, at least temporarily.  Make a list of all your routine purchases.  Where can you tighten your belt?  Eat canned beans instead of fast foods?  Quit smoking?  Adjust your thermostat down several degrees and wear sweaters?  Car pool?  Buy shoes and clothes at the City Mission or Salvation Army stores?  Pay off credit with the highest interest rates fastest (others at minimum payment) and avoid fresh credit loans?  Make your own repairs?  Buy food in economical quantities and reduce any waste?  Reorganize debt to a lower single payment at a better interest rate?  While that is in progress, check out low paying part time work (even returning shopping carts?) that you can do when available perhaps on weekends.  Using the money to pay down debt will reduce interest payments and will be worth even more than the cash received.  Continue to look for other opportunities (even dishwasher?) and work hard at anything you do just to gain that reputation.  Remember that the boss is always right because he (she) can give you a good recommendation for a better position.  Don't argue and do give notice before moving on.  No one will ever fault you for moving up.  There is always work available for those who pull their own weight.  Best of luck.
1634
Depends on your situation.  You can first consult someone like a non-profit consumer credit counseling services.  They may be able to lower your bills to a manageable amount and drop interest rates as well as get the collectors to stop calling.  If it has gotten very bad and you have nothing, you can consult with a bankruptcy attourney and see what options will work for you.  \n\nI wish you luck...not a great time for this around the holidays.  But know that no matter what happens it always works out somehow.
894848
Ask your friend for the help in paying for the storage unit but be sure you are the one responsible for paying for the monthly rent. Put it in your name not his. Also pay him back as soon as you can. It sounds like your friend is being supportive of you and he should understand that you may need help until you get back on your feet.
761113
First, pull out all your paperwork and read the fineprint VERY CLOSELY.  Often, buried with in the agreement, is an option to apply for a "deferement" or "forebarence" (which suspends your payments while you go through a hard time but interest still accrues).\nAlso, check for a "forgiveness" clause if you are unable to pay due to a major disability making it impossible for you to get work.\n\nNext, discuss Consolidation with your private loan agents, this would lessen the overall interest burden on you.\n\nIf you can not apply for a forebarence, consolidate or re-negotiate your payments, double check with a lawyer to make sure your private loan agencies are not giving you the shake down.\n\nIt can be dangerous to take out a loan to pay for a loan, but if you must, there is that option putting up a house or car for collateral.\n\nPerhaps family could lend you money (Make sure you have a signed contract with them even through they are family!).  Of course that is not an option for everyone.\n\nAlso, double check your budget to make sure that you are only spending what you need during times in your life when you are strapped for cash.
170265
so shy,\nI really feel bad for people in your situation.  But fear not, there are a few things you can do.\n1.  Being that you asked this on a religious board, I'm assuming you belong to a church.  The first thing you need to do is talk to your church leader about this.  They can take up a collection for you to get you out of some immediate debt.  \n2.  You need to really decide what is luxury and need and cut out the luxury for now.  For example, if you subscribe to cable, cancel it.  Unless you need the internet for work, cancel it.  There's an extra $50 a month right there.  \n3.  You can see if you qualify for welfare.  Your local welfare office can help you with this.\n\nI hope this helps and God bless you with your finances.
673445
Your story breaks my heart, and the sad thing is, so many people across the country have a similar story. People today have not been properly taught to manage money. It's also pretty difficult since cost of living increases have risen exponentially and pay at most jobs has increased minimally if at all.\n\nCredit cards are a very dangerous thing. My best advice is to cut spending to a minimal. Cut out the things you don't need. Make out a monthly budget for you and your family and stick to it as best you can. Allow for emergency and a little for entertainment, but be careful about spending more than you need to.\n\nIt's OK to rely on family and friends for help. Ask people to babysit for you when you need them to. Have them help you look for a new, better job.\n\nIt's going to be an uphill battle, but you can do it. You have to for yourself and for your kids. Good luck. :-)
242284
get a friggin loan like everyone else you GD loser...\n\nHey everyone!!! for no reason what so ever I would like you all to send me $50... please, please, pretty please!!!!
1149969
Since you have a computer go to your banks online service bring up the payments. Call the Loan Company while online discuss it with the manager in charge. Explain to them the problem you are haveing. A Friend of mine just went through this an she claim bankruptcy just prior to this but kept the car and payment. But what had happened is the payments go to a lock box and sit there and when they finally put it in they credited the wrong account. They were showing her two months behind an her payment were there on the first of every month. Plus get there building address not a po box and send the payments to that addrress.
696178
considering you are not at home asking this question and at work...take this time to look for part time jobs in the evening.  If you are cleaning an apartment every few weeks, why not try to do your own little side gig and do more houses or apartments.  If you have family that is willing to help watch the children while you earn extra $$ that is your answer.  If you are unable to pay your bills off you can consider filing for bankruptcy - it screws your credit for 7 years, but if you're not getting anywhere on the bills, then it's an option.  My mom raised 3 children, went without eating and things for herself so that we could have clothes and such.  We shopped at good will and i didn't know any better, i thought it was the greatest thing goin.  As much hoopla as people put on presents, it's about being with your family and making the most of the time together.  I would consider asking family to help watch the kids while you work a second part time job to earn more money, when you work hard for your family and prove that, people are more willing to help out.  Good luck and god bless!
728350
Go to "Lower my bills.com or lending tree.com - there is a wealth of info and you can plug in your info and get numertous offers.
1061685
I'm in the same situation right now.  Try to get a bridge loan.  You won't have to make any payments for up to 6 months. I hope this helps.