I'm having a lot of debt problems and feeling suicidal?
920160
don't end your precious life so easily, your family will feel sad, think of them. money is not everything in life. yes, without money we can do nothing. talk to the banks, tell them your situation, banks cant do anything if u have no money to repay, but at least, when u tell them your situation, they can help to work out a payment plan. banks just need u to continue payment although is over a period of time. they gain nothing if you declare bankrupt cos it is very "troublesome" for them too. dont worried sure there is a way out. ( from my experience, i accounted the same situation too.) i did not end my life cos i dont want to be a failure to my family, we have to care for our families' feeling if we commit suicide. just being curious, 1. how u  get hold of credit card with your monthly income 2. u gamble? so the debts is snow-balling ?
411653
I'm saddened to hear that you live in this state.  Sounds like you were traumatized a year ago.  I've been through this. It's a horrible feeling. Asking these questions and reaching out for help shows that you are beginning to come out of it.  To return to reality,  face your troubles no matter how much it hurts.  Talk to a counselor, pastor, friend, teacher.  Continue to ask questions if it makes you feel better.  I wish you a bright future!
976807
First off, I think you should go and talk with someone. A leader in your church, someone from a group, your friends, someone who will just listen to you. If you don't want to actively seek out someone, you can pick up the phone and call many of the free lines out there, as they have very caring people on the other end of the phone that can help you out. \n\nYou sound like you are suffering from a severe depressive episode, and I think your best course of action would be to talk with someone who can help you through this. \n\nI hope you do the right thing and help yourself out. Don't hurt yourself; you still feel emotion and pain otherwise you wouldn't be asking this question right now.
61777
Seek out consumer credit counseling through a non-profit debt counseling service.  Here is an example.\n\nhttp://www.cccsintl.org/\n\nBe sure to go to a non-profit.  I did years ago and they helped me.  I only had to pay a few dollars a month for postage, because they mailed my payments.  They will be able to negotiate settlement / payment terms with your credit card company. credit and your life back in control. \n\nGetting the cards under control is only half the battle. You have to get control over your budget.\nOnce you have your expense and debt under control you'll craft a plan to service your debt. One more thing I did, and it was no fun, was to get a second job.  Think of it as a short term way to pay your debt faster.\n\nIn the end you'll have good credit and you'll be proud that you did it. \n\nGood luck!
731612
perhaps admitting you have a problem and calling your doctor. Sometimes you cant help but feel depressed and have anxiaty (?) It may be a chemical imbalace. Might not have anything to do with you directly.
1111000
It sounds like you are earnestly trying to do something about your situation and I admire that. It sometimes takes much effort to get to where you want to be and sometimes you can't do it by yourself. Since you are ready to make payments on your debt but just don't know how to go about it, I can make some recommendations based on experience, as I was once a financial counselor. In my opinion it may be time to contact a financial counselor at a debt management company. Debt management is sometimes the only way that you will be able to show your creditors that you are trying to turn a new leaf. I admit that I am currently on a debt management program myself, and it has helped me tremendously. \n\nIn case you are interested in contacting a counselor, make sure you look for these things in a company:\n\n1) A company who is genuinely trying to help consumers. A company who is looking for the consumer's best interests will not only counsel you, but they may take you through a budget, analyze your situation, provide free financial material, etc. In other words they don't just try to enroll you. You should never feel pressured.\n2) A company who is non-profit, certified, and has a good track record with the BBB. A company who is non-profit may ask for a donation but it is purely voluntary. All your payments should go to your creditors. Also there are regulation agencies in place to weed out the "shady" companies, so you should make sure they are certified and a responsible member of the BBB.\n3) A company that answers all your questions. You probably have lots of questions, but a caring counselor will walk you through step by step, and explain thoroughly every step of the process. \n\nSo if you are interested in the company I worked for, it is http://www.incharge.org . If you are interested in the company I have an account with, it is http://www.careonecredit.org/ . Both of these companies are registered with the BBB and have outstanding reputations. \n\nThere are plenty out there though, so you should find the one that best suits your needs. I hope that you get to where you want to be and don't ever give up! Patience will heal your credit. There is no quick answer. Good Luck!
601518
It is very common for people to feel guilty for asking for help. Many people feel like they are just trying to 'act sick for attention' or whatever.  I believe that you want help and think you need it. You are not acting and not just seeking attention even if that is what part of you might be whispering.  I don't know you, but it sounds like you are having a very awful time right now and I really do believe that you are of great importance to those around you even if that doesn't remotely seem true.  Heck, I happy to even have you here to be typing to you.  Death is just too final.  You are taking antidepressants so perhaps these feelings of suicide are coming from the mood disorder you are suffering from.  It is nothing to be ashamed of! many many people suffer from things like this.  Believe me that it can and will get better! This is just one phase of your life and you have so much more joy to confront as you continue to move through life.  Seek help.  Call up a help hotline, they can be very helpful.\n\nHelp is out there.  I hope i have done a bit to help you. It is not much, but I don't want you to keep the world from having someone as special as you.\n\nAlso, I don't know how old you are, but younger adolescents sometimes react poorly to antidepressants and it can make them suicidal.  Call up your doctor.  Find the number and just call him yourself if you don't think your mom will help.  This may or may not be the case, but something to ask your doctor about.\n\nI will hope and pray that you will come to know how much of a joy you are to the world and that you will get past this and find out that this was a rough patch.... very rough.. but has passed.  It will pass. Find help and believe you can get past this.
790806
I'm in the same boat as you.  I'm broke most weeks and when I do have money it never is enough to get help.\n\nI finally got help after my last suicide attempt.  I probably had an easier time at it then you will..as I worked for the post office at the time and they offer counciling for free.\n\nI was directed to a place called ComCare.  They help broke people get the help they need fast so they don't hurt themselves.\n\nYou should try looking through your phone book for city help for depression.  (My help is coming from the city)  If your city has it and they probably do you will get discounted medication, therapy and other services.\n\nIt is really worth a looking for if you are seriously thinking of hurting yourself.\n\nI think the easiest way would be to look for a suicide hotline number and they can help you out there.  \n\nGood luck and stay strong.
176075
It is probably a good idea to seek out some therapy. There may be some underlying issues as to why you feel so depressed and there are a lot of options available to aid with this situation. If you would like further assistance with help, please email me.
1055087
I understand completly what you are going through.  Be sure to recognize symptoms of advanced depression and age-related depression.\n\nIf you have thoughts about suicide or if it is effecting your daily life dramatically you must seek help.\n\nDepression will not go away, there is a chemical balance.
766525
I have been like this for a while now ,someone told me the worst thing you can do is worry about it so I don't.Keep writing things down and being organised and enjoy your life and have a laugh at yourself when you do something silly.There's worse things could be wrong with you.
749025
What kind of bills?  Don't take out a loan to pay bills like utilities, phones, cell phones, etc.   You should be able to pay these with your normal income. \nTalk to your lenders if you have excessive montly notes and see if they will reduce your payments for you.  You can also go see a free debt reduction counseler to help with this. They may even contact the lenders for you to help. \nWrite out a budget with your income and stick to it for a while until you get things under control.
1022613
Hi, I have been stressed out with financial problems. The cab have financial advisors now. They can advise but they can also help you with a budget plan and write to creditors as well as deal with other things. They are friendle and helpful as well as taking a lot of the stress of you. It even helps that someone will listen and not judge you. Hope this helps. Take care
116469
I would look into bankruptcy before suicide. Or just pay your bill!
85771
You need to get a job. That will help your self esteem immensely, and help you start to get out of debt.
909607
I'm not a Dr. so I can't answer that question however, it sounds like you have major depression. There is hope for you, I'm 45 and I understand what your going through. call your local health dept. and see if there is a mental heath clinic in your town that uses a sliding scale for payment, this is based on your income. If you don't succeed there call the Dept of Mental heath for your state. there has to be somewhere you can get help! if you need to talk you can e-mail me rose56149@yahoo.com I do understand!!
773548
I feel for you,  you sound like you are going through a terrible deppresion.   Im glad you are seeing a counsellor.  hope you continue too.   I think you need a prescription from your doctor though to help you through this.  It is so sad all the trama you have been through in such a short time.   I am not preaching but I will definetly say a prayer for you I think you might need help from every angle.   Do you have a spouse or family to talk to?\nCrying is normal but not continuous and sleeping that much is not good for you either.  You are going to have to try very hard to face this and hold yourself up and believe you can do it!\nI have had times like this and you need to get interested in something even if it is on the computer you might be able to reach out to someone else.   Please try to discourage the suicide thoughts I know it is hard but there are people who need you somewhere and that is very final.  I want nothing but the best for you so please keep in touch and let me know how you are making it through your days.       \nLife is Beautiful hon.   keep your head up and spirits higher.