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Mother of Three needs help paying car note.  Hiding from repo man.  Behind on bills due to lost of job and not receiving support from soon to be ex-spouse.

I am a single mom of 4 kids, 16, 15, 12, 8. My youngest is allergic to wheat so every meal costs a bit more because I can't use quick-make easy fixes or I'll make him sick.

 I am struggling to keep up on rent, power and car I got shoved into by a slick salesman when I was desperate for a car. I am now  612.00 behind on that car and they are calling my friends and family and have begun precedures to repossess. I am 950.00 behind on rent, but I can work that out. I have tapped very available resource, locked myself up with mutiple payday loans and drained my 401k dry trying to get on top and stay on top. I have no other resources. I hae gone back to school and my next scheduled PELL grant disbursement isn't until mid-late December. Last time I told the dealership I was waiting for a disbursement, they told me that wasn't going to work, they needed full payment now or they were coming for the car. Then, like now, I can't sleep, barely eat and worry every minute of every day when they will show up and snatch the car. I had my son clean our stuff out of it this morning.

 I work full time, plus ever scrap of OT I can but I have an injury in both arms that make it hard to get there every day. I also have chronic bronchitis which knocks me down out of the blue for 2-3 days at a time. I have been to doctors for all of this but nothing they prescribe seems to stick. Lately I cant even afford the copay, let alone whatver mix of meds they may prescribe. I dont have insurance on the car because I can't afford it. I tried to ge tit and just couldn't keep it.

 I need help quickly because if I lose this car I will very likely lose my job, my house and everything else.  I am willing to barter my skills as a writer, researcher, data entry, phone work, yardwork, anything (legal) in exchange because I am reasonably sure I will not be able to pay the funds back anytime soon. 

I don't want help with the PDLs. I will deal with when I can. I can work something out with my landlord, and I just paid the power down. I need help with this car. I will be getting out of it as soon as I can because the terms are junk and the car is not worth whay they charging me for it.  I just need to keep it until I can get something else. Or if I can come up with 750.00 (down+insurance) for a local friendly dealer I have been talking to, I can let this one go. I just have to have a car.

I work 40 miles from my house, and none of my coworkers live near enough to make the trip. None of my friends can afford to run me 80 miles a night (I work graveyard  1030p-730a) and I can barely keep gas for myself, let alone fuel a carpool.

 Thank you to anyone who can help.

Is this site for real or just another scam? It would be so cruel if it was just a place where people come for understanding all the while others are laughing behind their backs. However I am going out on faith in the belief it is the real deal and state my story.

 I am a single parent who has always been able to support my children without any help from my ex husband.  I never asked for his help because frankly I never needed it.  My degree is in English and I was able to utilize it in a rewarding career.  Most of my friends say I got lucky, I just think the opportunites that came my way I took complete advantage of it.

 My life began its slow turn when my  daughter went into the hospital for a simple gall bladder operation. The surgeon estimated she would be out of the operating room in several hours followed by a few days of post op.  Imagine all our surprise when during the operation he discovered a rare but deadly form of cancer tucked beneath the gall bladder.  Fortunately he was able to remove it and she is now on the way to a full recovery.

However here is where the contrasts are so glaring.  I am so thrilled and grateful she is on her way to recovery I thank God everyday.  But with her recovery comes all the bills.  Also this is when I found out my insurance was not as good as it was supposed to be. With all the co-pays and other incidental expenses I am so far in the red I need to take the Space Shuttle to get back above ground.

With my daughter out of commission I had to cover her bills. Her car note so it would not be repoessed. She also paid for our basic necessities, electric, water, cable and telephone. In addition her car insurance absolutely had to be covered.  Her job did not have any disability after care so all the expenses fell on me.  All my savings are gone, so is my 401k and my tiny stock portfolio.

Her father finally stepped up but he is having huge financial difficulties himself and no one in either of our families can help.  For the first time in my life I am having such a difficult time sometimes it takes my breath away.  I wonder what did I do to encounter such hardship.  I recently asked my pastor what is the logic in such heartache and of course the ultimate question, why me?  He simply answered why not you?  He explained faith is easy when times are good and we are in nirvana, but the true test of faith comes when we are in a time of crisis.  He simply advised me Let Go, Let God.

I  firmly believe I will come through this much stronger and wiser and  things will work out for the best.  Just stating my case has lifted a huge burden off my shoulders. I firmly believe it takes a village............. And if all else fails, thank you for listening and lending your ear. GOD BLESS

Good evening.

I am hoping there this is an "ANGEL" out there that reads this post and decides to help me with my trouble.  For starters, I am a mother of 4 (ages 8, 12,15,17) who is in desperate need of some help.  I use my vehicle to take my kids to their activities, school and to run myself to my cancer treatments.  I was diagnosed with cancer about 18 months ago and have started treatment in addition to everything else on my plate.  Cancer is expensive when you don't have any health insurance, which I do not possess.  So I have had to take money out of my check to pay for it.  It is quite expensive.  Needless to say I got behind in my car payments and they early this morning (at 1AM) the finance company (Capital One Auto Finance) took my car back.  It was horrible.  I have no way now to get my kids to school or even get to my treatment (which is in an area not accessible by public transportation).  So I am basically screwed.  The only person that I knew here in Chicago was my husband and he is dead.  So I don't have any friends or family to call upon to help me out.  I owe about $2,600 to get the account up to date and the car returned to me.  I applied for a loan but was denied.  I suspect because I couldn't make the payments on time.  I have already made 39 payments out of 60 and it would be a shame to lose this car after all that I have invested into it.  I don't know what to do.  My kids are sad and that makes me sad.  They think if I cannot get to the treatment I will die and they will be left alone -- I don't want to disappoint them but I don't know what to do.  I don't want the money sent to me.  I am looking for someone to call Capital One Auto Finance and pay the balance they ask for (I can provide account number and other specifics, if needed).  PLEASE SOMEONE PLEASE HELP THIS DISPERATE LADY NOT LOSE HER SANITY OR ANYTHING ELSE.  I tried calling Capital One and explained to them my specific situation but was told "there is no program here that can help you out as our company does not have any safeguards in place for this type of situation" so I either pay the amount $2,600 or I lose the car.  If you can help please send me an e-mail: violily33@hotmail.com.  If anyone can provide me with a personal loan -- I would be willing to sign whatever necessary for you to get your money back -- I just need some help here.  Thank you for listening.

I am a 38 yr old married female who has overcome death, loss, drugs, and other things, but I just can't seem to get financially correct. My husband lost his job and we lost half of our income in Dec. of '07. He was found to be disabled due to osteoarthritis shortly thereafter.  I lost my job in Dec of '08. Now we are beginning to lose our stuff. My car will be reposessed within a month, and we are fighting to avoid foreclosure. I am just beginning to feel as if we will always be robbing Peter to pay Paul, and we don't deserve to be. My husband didn't ask for this disease.  At age 47, he has the bones of an 80 year old, had 2 hip replacements, and needs 2 knees, but when he lost his job, we lost insurance. I am trying to get back in school for a nursing degree, but also need to work full time, and I have my own medical issues. No loan options, won't have any credit cards, end of my options.

In my Father's house are many mansions.If it were not so,i would have told.My father is rich.There's no good thing that he would withold from me.These are a few things that i know.so why do i fell sometimes that he has left my side.Could it be my disobedience?Hey,we all have sinned.I just am overwhelmed by all the bills,no job,a 4 year old to provide for.I had it good 2 years ago.but i guess i didnt do all the things that i should have:like pay my tithes regularly,put money away for hard times,not help some of the people that i shouldnt have helped because some of them were just leaches.I dont like to ask people for money or any kind of help.But we all need somebody.My pride is way up there.But I broke down last month and went to the Department of Social Services to get some help.Praise God,I got some emergency Food Stamps.Any is better than none.I use to be an over the road truck driver.I still have my license.My daughter started school the 2007-2008 school year.As you can see,Mama had to come off the road.Good jobs area this area are scarce and that was before the economy went bad.I have a cargo van that I purchased in  2002 as well as a small passenger car.Guess what,repossession stage,less that 30 days to come up with around $16000.My finance company wont let me turn in one and keep the other because they both are collateral for each other.It sucks but you got the be careful when you are making purchases and understand the pros and cos of it.I had to move out of my house because theres no electricity or water.my phone is off.Social Services could have helped me with my electric bill but it was disconnected and the power company wanted the past due plus a $300 deposit.I am disperate here.Help me.Some people you cant go to for help because they put your business out in the street.and in the town I live in,it doesnt take long for news to travel.Ive been reading articles and books on how to get grants,get help to pay bills,help stop repossessions,programs for single mothers:All a dead end except Food Stamps.And loans are out the question by my credit standards.and what Im I going to pay it back with right now.But do have a job prospect.Hopefully the beginning of next week.Its going to take we awhile to get back,but I will.So,if theres anyone out there that really wants to help an honest single mother take some of the pressure off,please fill free.I have alot to go around.

My husband has just left me and has taken all of the money out of our bank account. I do not have money for the house note, utilities (gas, water, electricity), car note, car insurance... nothing. I need assistance as soon as possible. I pray that you are able to help.

I am not looking for a hand out. I will GLADLY sign promissary notes to repay any money you are able to lend to me.

Please help.

KH

Can someone please help me in this trying time?  I know that that is something many hear everyday and I know it gets old.  What is worse is the fact that so many of us need help and can't easily get it.  I am a 25 y/o wife and mother of 3 boys.  My husband had a steady job and was doing very well until due to a medical condition was unable to continue his job.  I am a licensed EMT and truck driver.  I have a child with autism and had to pass up a job due to this issue.  I have been actively looking for work, however, have run into a little snag.  I am $1,200 past due on my car payment and the bank is talking about repossessing the only vehicle we have.  If anyone could help us out, it would be Gods gift at this trying time.  I am hoping that we can find some help so that we can get jobs again and help my son have a more normal life.