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I let my family down because of my own foolish selfish wants and needs.  Now we are in serious financial trouble.  I have a good job as does my wife, but I have been victimized by my own lust and it has now placed my family in a perilous situation.  Because of my stupidity, we are on the verge of losing our home.  We applied for a modification program but I was stupid and did not properly address the paperwork and now we are no longer eligible for any kind of modification.  I am ashamed of my actions and do not know where or how to fix this.  I have not told my wife yet because I am afraid.  I am afraid of the "I told you so" that will come along.  As I said, I take full responsibility for what has happened and it is up to me to find a way out, but I have no ideas.  We need $35,000 to save our home and I know that no one is going to just cut me a check.  Another loan is out of the question as our credit is ruined beyond repair.  We live paycheck to paycheck and have no where to turn.  I have presented myself before God Almighty Himself in a humbling plea for forgiveness and help.  I believe he has a way out, but I also believe that I need to do something.  If anyone out there has a suggestion, please send it my way.

Thanks.

Hi! I understand that in this economic crisis there are many people in worse straights than I am. No, I do not have to support any children, or pets (anymore... I could not afford a surgery for my dog, so I signed her over to the clinic. Saddest day of my life) I am a full time student at a grooming school in FL. I love animals and always have! Rescently, I have not been able to make it to school because I don't even have enough money to put gas in my car. I have asked several people for a carpool but they are either very unreliable, or constantly remind me of how desperate they are themselves for money and tell me that they'll soon have to sell the car to feed their children. So I feel terrible asking them for anything!

I sold most everything I own to fund the first treatments for my dog, part of my school, rent, and gas. I am living all alone in the city, in a 1 room dorm. Finding a job is very tough with my school schedule and lately, the places I go to to apply for a job tell me that they are no longer accepting more applications, or have run out of them. I am getting desperate, and need to keep going to school. I have big plans for myself after I graduate. School is all I have for a future, and I need help.

so i just sat here and typed my entire story about my financial situation and lost it. . . .

here's the shorter version.

I'm a single mom to a 18 month old boy that has never seen his father.  I found out when i was 11 weeks pregnant in the dr's office alone because i thought i was really sick. I didn't have any signs of pregnancy and the dr visit was warrented when i started to hemerage i was concerned and very scared. When i went for the 'emergency sonogram' i saw the love of my life for the first time. Life is good. Love is life. but love doesn't pay the rent, put food on your plate or keep your utilities on.  Love doesn't report to your boss and love can't solve problems but it does make you feel really good.

the reason for this story is that I've been served with a warrent of outstanding debt.  I'm sure there are people worse off than. I haven't had a raise in 2 years because of slow business but there has been a 20% increase on most otherthings. . . i can't afford to take time off to interview and feel stuck and worthless.

I've always been a good person, I go to work pay my bills and help people when i can.  So before my cable gets shut off i thought it'd be good to at least type a few words (for the 2nd time)to tell my sob story, I can't tell you how hard this is for me.  Hopefully this site, people can at least boost my spirits and show me some areas of support that could possiably help my situation.

looking forward to encouraging words and areas that can assist . . . I'm in Falls Church VA if that will help direct me on where i can go for help.

My husband and I have had a spiraling downfall with debt.  Yes we both work, we have a car.  No, we don't have children.  Our credit was tarnished severely after moving from NY to VA without research...this was stupid.

Some unexpected cost came up (THE IRS) and the satisfactory payment arrangement is hurting us.  What else could happen next.  we get involved in payday loans.  WRONG!  Paid them off.  But it seems as though the money is there but we don't have any cushion.  When the pay check is in, it goes right out and we have to juggle to see who will get what.

What next?  Surgery.  Yes, there's a payment plan and insurance.  But we just can't get caught up.  Forget about getting a tax return.  Although we adjusted our taxes so that enough comes out, it all goes to the $6,000+ owed.

Two churches have helped and I was soo surprised that anyone would help a working class person.  I thought you had to be completely homeless to get help.  But still, there is no cushion.

Today, my rent is due, car insurance and a car payment.  If I don't have a car, how do we get to work?

I am soooo scared and embarrassed.  I have no one to turn to.

I am a single mother of 4 and a grandmother of 3. my income does not allow me to go to the dentist. half of my teeth are gone and the ones left are no good.  my mouth hurts everyday.  i cant even eat a lot of foods no more because i cant bite anything off.  my teeth that i have left are loose.  i look terrible if i smile.  i dont like to smile or talk to anyone because of my teeth.  can you help.