End of My Rope

I'm so sorry, I know the feeling, believe me.

Do you have any credit cards that you can maybe take an advance on? How about a good friend, that might lend you the $ for a bit?

Did you try maybe a loan with Citifinancial or American General Finance? (they usually lend to people with not so great credit, but they denied me!)

OMG that sucks! I know what you mean by 2 steps forward, 5 back. When you live paycheck to paycheck any unexpected expense can throw things upside down.

I wish I had a good solution for you . . . . If I think of something I will let you know. Just know that I am thinking about you!

We have one credit card, and it is barely under the limit due to having to buy car gas. I am 100% sure that Citifinancial or AGF will not lend to us considering that about 3 years ago, they were included on our bankruptcy. To be honest, we only have a few close friends, and they are pretty much in the same boats as we are as far as living paycheck to paycheck and know they do not have the extra money. One of them I am helping them get out of the payday loan trap themselves. We have a lot of accquaintences (I know I spelled that wrong),which are mostly people we work with, but not anyone we would borrow from.

Thanks for the suggestions though.

2NBand
I am so sorry to hear this. I too am going thru a bad time, but certainly not as bad as what you are facing.
I know you have a loan out with your company, but perhaps if you explain the situation they will advance you a bit more. After all, they know you will repay because you work there.
Also, maybe if you call your bank, as a one time courtesy they will pay the checks as they come in, or at the very least reverse the nfs charges. Its worth a try.
as you said its not your mother in laws fault, but these things always seem to pop up at the worst times
I just remebered, I once bought a non refundable air line ticket and due to an illness I could not use it. I did call the airline and explained the situation. They did give me a refund less $50.00. Again its worth a try. Have your parents call the airline and see if they will help with the ticket
Please keep us posted, and let us know how you are

2ndband, do you have a 401k you can maybe borrow from? I just took out a loan from mine. I know it's not the best option, but when you need it, you need it.

My company has very strict policies regarding loans. If it were a death, then that would be a different matter. I had already talked to my mom about this and she had talked to the airline after I called her and before I posted. They will not do it. The only thing she can do is change the flight dates, for a fee.

Just called the bank and they will not do it. If we had one of their credit cards or the money to cover things in our savings account, they would have considered the NSF fees, but since we don't have either, nope! Thanks for the suggestions kashzan. They were good ideas.

Jen, we did that last year also when we were in a bind from where I had gone in for surgery and was out of work for so long. Still paying that one back also. Can only have one loan at a time with them. They will be paid off in Dec, but doesn't do me any good right now.

Sorry that nothing worked out for you. My thoughts and prayers are with .I know its not much, but I am here for support

Thank you kashzan. I am going to see what else I can come up with. Not sure what I can do, but if I don't try, I will never know.

This may not be a solution but it was for me and my wife when we were in a really bad situation. Gold and silver are at an all time high right now. Gold is at 675.00 an ounce or there about. If you have any old jewelry that is meaningless to you, you would be surprised what a good buyer will pay for it or what a pawn broker will loan you against it. A good buyer will pay 80 to 85% of the current price. An old high school ring will bring around 200.00 right now for example. It is worth thinking about!

Interesting thought, frogpatch.

2nband...my thoughts and prayers are with you and your family. Keep us posted.

I am so sorry to hear about all your troubles 2nBand :( Hang in there- you are in my thoughts and prayers..Have you asked your mortgage company if they can maybe let you pay on the interest, and add your prinicipal on later? Also, check into your local helping agencies, and see if they can help with utility, meds, etc. My sons girlfriend had to go to the ER, and couldn't fill her prescription, and a local helping agency and pharmacy filled it for her. Good Luck- you're in my prayers..KAren :D

Sorry to hear about what you are going through. It does seem like when it rains it pours. Something will come along. I will keep you in my thoughts.

hope

I do have an old class ring, but it is only 10K gold, not sure what it would bring. Might check into that.

Bossy, had already thought about that, but since we had been late, etc, they won't do that. As far at the other things go, technically we make too much money. I will just keep plugging away and see what I can come up with.

hope ~ you said it! It seems if it weren't for bad luck I would have not luck at all!! :roll:

I probably should have titled this thread "End of My Rope, AGAIN!"

My prayers are with you also 2n. I hate when your told you make too much money when you don't have any. Need is need it shouldn't matter where it came from.

Thanks frogpatch ~ unfortunatly these places go on income and it is gross income not net. Heck if we actually brought home what we grossed, we all would be in good shape!

I really should be working, but just am having a hard time concentrating on anything.

I completely understand your point, 2nband...I am in the same boat. Aid agencies look at the gross income...if I brought home my gross income, I wouldn't need help in the first place. But because of my Ch. 13 payments coming out of my check, taxes, insurance...I currently take home roughly 1/3 of my gross.

Yeah, the look at that and then look at you like "Why can't you afford to live??? Don't look at what you have going out, such as rent, utilities, etc. By the time my insurance, 401K, loans, etc come out of my check, I don't get that much. Totally stinks!!!!

There is a website Modestneeds.org..... they have emergency grants for situations as this....a plane ticket for your hubby. I looked at them the other day for my Mom, they supposedly help people that do not qualify for aid due to income. I know it is legit, but I don't know how fast they get you the money - it might be worth a shot to check it out. My hubby made some extra cash by taking in some old brass & copper to the recycler....another thought if you have metal junk around. Much luck & prayers

Also - I read quotes alot to keep my spirits up, and this one has helped me ALOT, I keep it on my fridge to read every day....I hope it helps you too
When you get into a tight place and everything goes against you until it seems that you cannot hold on for a minute longer, never give up then, for that is just the place and time that the tide will turn.
Harriet Beecher Stowe

Thanks dalfire...loved the quote. I did look at prosper.com but they do not do consumer loans in NC. They do business loans but not consumer. Sucks considering that I was told that I could try to get one, until I got toward the end and found this out. Oh well...we will just keep looking

What if we kick in some DCC points? Isnt that what this forum is about?

Modestneeds.org is a great place to look, 2nband...the only thing is it takes up to 2 weeks to get funded. It's not a loan - it's HELP.

I am so sorry 2nd band...I know how much this must hurt...I will keep you in my thoughts also...maybe between all of us we can come up with something!!

I AGREE WITH YOU ROADWARRIOR AND IS TIME TO DONATE SOME POINTS TO 2NDBAND.ANY POINTS.IF EVERYBODY GIVE SOME POINTS WILL BE WONDERFUL.
2NDBAND IS A VALUABLE MEMBER OF OUR FANTASTIC FAMILY.

I know what you mean about gross income. When I lost my job and health insurance, I tried to get some pres. help from the drug manufatures, and was told we made too much money!! I said to her"Well, if we make so much money, how come I can't afford my meds?" She just sat there stunned :lol: Karen Although,on one of them, I actually go my heart meds, and didn't cost a thing!!

Years ago when I had only been a single mom for about 2 years...and without ay child support yet...I had a really rough time...I had gotten behind in just about everything...I lived in a fairly big city at the time and called everywhere trying to get some help, but because I made like $500. more than the limits I couldn't get any help at all...one person actually told me to quit my job and go on welfare and then they could pay for everything!!!! All I need was help to get through a month or so...unbelieveable...I ended up talking my mom into babysitting and took a second job...

It is tough, I tell you. I know when I was a single parent and was trying to get WIC, I made like $10 or $15 too much a month to qualify! That was just crazy, but what can you do.

Did get my husband off this morning. My mother-in-law has her surgery tomorrow. My husband is going to miss our son's swearing into the AF on Monday, but not much we can do right now. He needs to be with his mom. We didn't even know she was having heart problems! She never said a word when she was out here for our son's graduation. If we had known, maybe we would have been a little better prepared.

I called Red Cross and Salvation Army this morning and neither of them have any funds to help because they have been putting their funds out for the elderly with this heat wave that we are having (triple digits and the heat index is like 10 to 15 degrees higher than what the temperature actually is). Even talked to them at my husband's work, but they can't do anything either. They do not give advances on pay or employee loans.

I do want to tell those that have donated points to me how very much I appreciate it. God bless you guys. It has brought tears to my eyes. Thank you from the bottom of my heart!!!!!

Can you borrow from your 401k? Just a thought. My company does loans on them.

What about a local church

How does one donate their debtcc points?

Oops, forgot to sign in! That was me asking how to donate debtcc points. :D

Click on the "donate" button of the member whom you want to send points. It will show yours and the user's redeemable points. Enter the number of points and click "submit". Your points will be deducted from your account and will be transferred to the other user whom you donated.

OK, just a quick update....my mother-in-law had her surgery, but looks like she may need to have more. I don't remember everything my husband said they were having to do, but they could not finish what needed to be done because she was not tolerating things well while under. That won't happen until toward the middle or end of the week, so looks like he is going to be gone a little longer than he thought! UHG! Plus I am ticked off because his older sister did not postpone her wedding, which was yesterday, due to her mother's surgery and not being able to be there. Then had the nerve to give my husband crap for saying he wasn't going to come so he could stay at the hospital.

To guest ~ as I had stated earlier, cannot borrow any more from 401K. Already have a loan and cannot have any more out. As far as churches go, not a member of any church around here, so kind of hard to ask there. Being Catholic, where we are at there seems to be nothing but Baptist churches and the nearest Catholic church is quite a ways away.

I am continuing to try to see what I can find. Already had 3 checks returned and now I have to get the utilites paid so I don't get cut off. Even though the utility company said they would split things up for us, I still got to get a first payment in by Tuesday and then another one next Friday. Also have to get a hold of my car insurance company and see about splitting my car insurance since it is over $300 since we added my son onto it. Left a message for the people that we have the car financed through, but now I am afraid that I am going to be bombarded all at once with promised payments I am not going to be able to make! I tell you, when it rains it pours!

2nband - did you check out modestneeds.com? I know it takes a couple of weeks to get funded, but they do help a lot of people, and your situation is definitely one where you need the help.

I wish I could help you out! :-(

2nband I know to well the feeling of 2 steps forward and 5 steps back. Sorry about your mother-in-law. Did you check with you utilities about some kind of payment arrangements? Also check with state housing dept. they should have some help for you there. I am surprised your mortgage company is not willing to work with you. you think they would have you making some kind of payment then be or go into default.

Suebee ~ waiting to hear something from modestneeds.

Flyers ~ the mortgage company won't do anything because of use being behind before and been late making payments.

I am trying to keep my faith up that things are going to be ok. Just trying to stay positive!