I really don't know what to do. I just got back from a doctors appointment with my 12 month old son and found out he is going blind. Everyone has a sad story but with my financial problems I don't have any money for his testing. State insurance doesn't cover the testing he needs also. His testing will be around twelve hundred dollars. I need help finding solutions. My job is minmum wage and my house is near forclosure because I'm behind five months on my HOA dues.

I've seen where people set up an account for donations but worry that some people may think I'm trying to steal or cheat others. I've already asked my boss for more hours and a raise but business is slow too.

Please help me or direct me to some help. My paypal account is superstar0859@hotmail.com if you would like to donate...anything would help greatly.

   The sworn testimony of the victim of the sexual harrassment case (CHRO#0740337 & EEOC#16A200701378) also illustrated how underhanded some of the officers dealt with distancing themselves from an exemplary employee, who poised a threat to this good 'ol boys club. 

   Can you imagine working as a gallery manager and suddenly a locksmith appears to change the locks ,and you assume that it's because a disruptive tenent of the upstairs Hygienic Co-op , and when you ask for a copy of the keys...you're told by the locksmith that your employer is changing the locks because of you!

  Crap hits the Fan.  The victim calls Hygienic Art's president - Vincent Scarano, who tells this employee " someone" will come in to talk to her shortly.

  So, who does Scarano send to do his dirty work - but the newest boardmember - Joe Althouse, brandishing the chopping axe with the lame excuse " Due to financial problems and restructuring"...

   Now contrast this with the words of Hygienic's Vice-President Paul Duarte, who thanks this employee with praise "The best face of the Hygienic that they ever had!".

   When this poor woman breaks down, Joe Althouse tells her "perhaps" when everything gets straightened out you can reapply." (Of couse he can't look at her in the face when he's saying this!)        How many of us have dealt with these corporate cowards?

   Naturally, there was no restructuring, and a email shortly went out requesting applications for the Hygienic Gallery Manager position with the same funding and job description.

The next day this Hygienic ex-employee goes to the gallery to return their BJ card, and guess who she happen to run into on the sidewalk - Bingo! President Vincent Scarano!

   He smirks and says to her " You didn't do what I told you to do - you didn't keep your mouth shut" and "I told you not to talk to the board".

   ... Onto the Labor Dept. ( stay tuned! )

I found this picture on the internet, got me thinking. Financially im at the worst, never bean this broke in my life. Wouldnt it be nice to get things handed to you just for being you, for being good to your kids wife/husband, neighbors. Well if it was that easy out there someone with lots of cash reading this would hook it up!!! Still not going to give up, one day I will come up.  When will this life pay out? My turn. To every one with this problem keep on truckn. Anyone want to help? Hate to sound like that I have more pride than that. You just never know what could happen. Ask and you shall recieve. One of these days I hope to be the one able to help out someone in need. Well thats that just another person out there.

I am terry and my problem is for my father not for me. for months now he has needed financial assistance and I hadn't been able to get it mostly because when combined in total income added the guidelines say we make too much, but here barely just making day to day. I can't see how that is possible for 4 guys in one house, my father is retired, and hes just getting a pension and his social security, with my part time wage I get. I have two brothers, they are working but not enough wages generated to say we are making it work. I see where the money goes, and know that our father needs help, we are facing some real problems that just can't be handled in one day. I had looked at several programs for him but for him to qualify, me and my brothers would have to be living out of the house, and that isn't going to happen cause neither of us make enough to live outside of the home we lived in since childhood we been here for over thirty years now. My brothers, know the financial situation is serious, and well when we are together what we put in just for the basic necessities, like food and loans they are currently paying off. Our fathers, has the biggest portion, the house mortgage, house insurance, electricity, heat when it is needed to use the water, sewage, and then his credit card payments that are currently not active. I have a few debts myself also paying off on what I manage on in wages. I am not sure where to turn cause I feel like I failed in this family I am the older brother and have to manage my fathers expenses as a temporary power of attorney on the banking our father always left the check signing to our mother but since her passing in 2002 everything nearly fell apart, cause then our father was home and then later he had help in home assistance with an elderly program. In the early months then he fell and broke his hip in 2007, and then his house was goiing through big problems, we had to make repairs and now we can't finish them. The nursing home only received two payments to his bill of what I could get out of his banking account. I am facing most of the brunt of questions, and ridicule of the collectors that call the house to require payments now its the nursing home they are putting pressure and I fear for the worse that they are going to force the release of our dad for non payment to his care. I had applied to the Public Aid on Dads behalf, but it fell through, because we are living home, I don't have neither do my brothers have a place to go to and start over. We are older in age, I'm 49 my middle one is 47 the youngest is either 38 or 39. I am sitting here just hours away from getting that call from the to remove our father from the nursing home cause of non payment. I am really alone, my brothers won't acknowledge that we are in a financial disaster and that everything will be like it was but thats not never going to be. Everyday the idea comes either to drowning to the debts or let the house be sold to cover the nursing hoime bill and then he would end back to one, since I doubt the same nursing home will take him again because of the debt he incurred with them and since our father couldn't continue caring for the house the money would be taken away from what is left the charges of 881.00 a month, our father is 78. You know for me I never wanted anything, cause eventhough Im 49 there is something out there, and I have other options but I just can't just walk away from this that would kill me inside.  I'd like to live my own life since most of my earliest 20 years has spent mostly at with the exception of 3 years when I was on my own, and working good in the 1990's and 2000's I had lived in a nearby town for almost 2 and a half years and then 4 months in Florida but then our mother became ill and I had to come home and again began helping to care for the house when mom couldn't, and now it's dad. If the house is forced to be sold to cover the nursing home bill. I wouldn't really have a problem with that. I just wonder what would my brothers do, I know I shouldn't worry about them, but I do. Thank you for reading and giving suggestions, comments, and sharing your hopeful solutions.  Most appreciated.

   This past November, I was involved in a domestic dispute with my husband which ultimately ended up with my foot being fractured and my husband arrested in front of our two, young children.  I reluctantly applied for assistance from our state's Department of Human services, which has been an experience I would never wish upon my worst enemy.  My workers is more than unkind, and repeated complaints to his supervisor regarding discrimintation and refusal to send needed paperwork have been met with no concern.  Because I do have income, I did not qualify for medical or cash assistance.  And while food assistance and help paying for childcare has been helpful, it hasn't been enough to survive.  We are in jeopardy of losing our home, the one stable fixture my children have right now, a shut off notice for our electricity because I haven't been able to pay the bill in full for several months, and my DHS case worker denied my application for emergency assistance to pay the bill.  I cannot afford to take time off of work to go to a hearing contesting the decision.  I am behind on our budget plan for our propane and am skating on thin ice to not be kicked off of the budget plan.  The phone bill is behind a month and a half because I needed to make emergency repairs to the car. 

    Last year, March, I started a new job with a higher hourly rate, a benefit of paid time off that was much needed for my children, and with this came a sense of security that everything would improve, that after getting caught up on bills that fell short in the past, I would be able to save a small amount at the end of the month soon.  I accounted for rising gas prices in my new budget, but nothing could have prepared me for nearly $5.00/gallon gas.  It quickly became a matter of trying to afford the essentials, not being able to get caught up, and actually putting myself much further behind by having to use credit cards to afford the bare necessities.  It is difficult not to feel bitter while listening to those who fall on hard time but continue to pay for television, or do fun activities such as movies in the theatre or concerts, when we have never been able to indulge in those luxaries. 

I came online this morning in search of emergency assistance, or possibly just a lead to where I might be able to find some.  It seems that I have exhausted all of the resources known to me.  When I found this site, I wasn't sure what to make of it.  It seemed to be a site where people can discuss their needs and find answers to where they might be able to have them met.  Then I found a spot that talked about joining the site and helping others while earning Google AdSense income at the same time.  While I may be in need of much assistance myself, I think I know of valueable resources that may help others as they helped me in a time of need.  I hope this site can become one that I frequent daily.  I hope that anything I contribute can reach, and help, at least one person in need.

nevermind

HI, I AM A MOM TO TWO BOYS.  THEY ARE 9 AND 1.  I AM MARRIED AND MY HUSBAND JUST GOT LAID OFF FROM WORK 5 DAYS AGO AND I HAVE BEEN UNEMPLOYED SINCE MARCH.  I CAN'T TELL YOU HOW MANY JOBS I HAVE APPLIED TO AND MY UNEMPLOYMENT WILL SOON BE RUNNING OUT.  WE HAVE A MORTGAGE, CAR PAYMENTS, UTILITIES AND WITH THE ECONOMY THE WAY IT IS I AM WORRIED WE WILL LOOSE THE HOUSE.  ANY ASSITANCE WOULD BE GREAT.  PRAY FOR US AND GOD BLESS EVERYONE.

BROOKE

Like many others on this site my family is in dire financial straights. I have always been a hard-working dedicated husband, father and very active in my community. I volunteer for many  worthwhile organizations.  I have been a business owner for many years and when business was good I anonymously donated money to those in need; truth is, even when times were bad my wife and I did the best we could to help others out. Now, although it is very humbling, I am the one who needs help.

I look at this as a very painful learning experience; there has to be a lesson in all this. We are trying to keep our house.  I in no way want this to sound as if I am a victim; I am not asking myself "why me." I have a supportive and beautiful wife and two awesome healthy kids. With this in mind, I have been blessed and thank God for these blessing daily but the bills and collection calls and possibility of losing our home is almost unbearable. There is no question in my mind that I will once again be financially secure and will once again offer financial assiatnce to those in need.

Financial problems don’t usually happen overnight; learn to recognize the warning signs early.

What are the warning signs of foreclosure?

Unexpected life changes are often a contributing factor to foreclosure – especially those that impact your finances, such as:

• Loss of employment or reduction of hours
• Major illness or injury
• Divorce or separation
• Death of a spouse

What makes it so difficult to think about foreclosure during times of crisis is that you are so focused on the problem at hand and not likely to have the time or energy to think about how it could impact other aspects of your life. That is why a plan that was developed before any problem starts is the best protection.

If you have a "Plan B" in place, you won't have to organize your finances while you are stressed about finding a job or dealing with a major illness. The plan will already be done – you will need to just follow it.

Financial warning signs

There may not be a major life change to signal potential trouble – you simply may be having a difficult time properly managing your finances. Don't be fooled into thinking your credit card problems won't affect your mortgage. It is important to realize that financial difficulties in one area can, and often do, spill over to other areas. These difficulties are all warning signs of financial problems that can lead to foreclosure on your home if you do not act quickly. They include:

• Maxing out credit cards
• Using credit to pay for day-to-day expenses, such as groceries, utilities, etc.
• Being unable to pay your bills on time
• Paying only the minimum amount on credit cards
• Applying for new credit cards after maxing out on existing ones
• Having to choose which bills to pay

Talk to a housing counselor immediately if you see these signs (see sidebar for help finding a legitimate counselor). You may be able to get your finances back on track before foreclosure becomes a reality

If you are experiencing financial difficulties, there are immediate steps you can take to avoid foreclosure on your home:

• • Seek financial counseling right away
  • Call your mortgage company and creditors
  • Be honest with your creditors
  • Don't be discouraged
  • Begin to save as soon as possible

Use a checklist to perform and keep track of maintenance tasks to maintain the value of your home and prevent costly repairs.

Not real sure why I am writing this.  I guess I am hoping for a miracle.  I will try to be brief--but it probably won't happen.  I am in DEEP financial trouble.  I NEVER thought that this could happen to ME.  Let me give an overview. Widowed-4 children.  Sept 1997 husband goes out of work on disability. Diagnosis-COPD, emphasema.  Money is fine--Soc Sec diasability plus private disability from his job.  I take on full time job to obtain benefits, mostly for him and our 4 children.  Dec 2001, he goes on transplant list for a lung.  June 2002, lung transplant (happens to be the same day as our 3 child's high school graduation) Home from hospital in 6 weeks.  Not doing well.  32 meds a day. 

Take on second FT job to help cover additional medical costs and college tuition for 2 of the 4 kids.  Several trips to hospital for medicine adjustments.  I am working approx 14 hrs a day, except Sun. Easter-2004.  Goes to hospital.  Supposed to come home-goes into multi system failure.  Dies April 29 2004.  $25,000 in life ins.  and the 255 from SSec.

Children are devestated-I am lost.  WE had been married for almost 30 years.  Disability stops.  Social security disability stops.  They are sending one check for my last child-an upcoming senior. 

My 2 sisters in law come when he passed.  It got ugly-they said I didn't go to the hospital enough.  I spoke w them the day before the memorial service, they told me that I had made their brother not want to live because of my attitude.  My oldest son told them to NOT come the the service, and they were no longer part of the family.  (Now husband is gone, and my 2 sisters is law, along w their daughters are gone)(BTW0I am an only child and my mom passed away on Thanksgiving day, 1976--I was 8 months pregnant and my husband was based in Los Angeles) The day of the memorial service, my only relative, other than my kids and my dad, was my mom's sister.  She was 80.  SHe asked if I would take hew to the doctors, Walter Reed Med Center.  To cut thru the llines, she was diagnosed w pancreatic cancer.  3 days a week I drove 60 miles to pick her up, take her into the med hospital for chemo, take her back home and then go to work.  She had always said that she would take care of me if she were to pass.  They had given her 3 months-she lived 9.  Her oldest sister-a single, never married 94 year old spinster, blamed me for my aunts death--I would not get 24 hour nursing care because I wanted all the money.  SO NOT TRUE!!!! My aunt did not want 24 hour care.  SHe finally passed Mar of 2005--my 93 yo aunt got everything.  Close to about 2 million in cash.  I GOT NOTHING!!!!  oh yes, my wonderful cousins who never helped with her care all came down from Pa and got all the furniture, collectable, etc.  She gave to ea of my cousins, 50,000.00.  That hurt--it was not her money--I helped my aunt because that is what you are supposed to do.  But, because I was working 2 jobs, I lost a lot of money spending the day, 3 times a week, running up and down the highway,  no big deal--!!

Money was going quickly--=my 2 daughters had been sharing an apt.  The oldest met a man that she fell for.  That left me paying bills for my home and the apt where the girls had lived.  (Yes-all of the kids had jobs-they all started working when they were 14) As my youngest was a freshman in college and still working thru her fathers death.  I toyed with selling the house and moving into their apt, but logistically it would be not good. But I was sinking fast.  I found a man who would buy the house, let me stay in it, and he would split the equity that could possible accumulate over the next two years.  I was in such bad shape, I didnt realize until after all was said and done, that I sold my house to this man for 40 thousand less than the market.  I was desparate.  Got things caught back up--then the string of bad happened!!  As if I needed more bad!  I spent 2000 trying to fix my car.  I finally had to get rid of it, as I was getting too many tickets.  There went another 1400.00 as the down payment.  A friend, who had come to stay with me for a short period of time, managed to take moeny from me, and convinced me to sign a car title over to him so that he could get a loan.  He promisted to repay in the next 6 months,  Guess whaT?  He split WITH The car and my money.  I thought that you cuold trust a friend.  WRONG!! My son was getting married the End of Sep 06/  And yes, that, too, cost money.  SO the youngest moved in with me.  In the mean time, the other daughter was living w/ her now fiance.  That daughter ALWAYS made me proud.  SHe was woeking 2 jobs-one a sec pos for a sub contractor of Homeland Security and coaching gymnastics in the evening AND still taking classes at Mason University. Always paid her bills on time.  Cared about the rest of the family. But this male--this guy she hooked up with.  He had no credit--it ws ruined by his X wife.  So my daughter cosigned a loan for hime to get a car.  This guy heard of some deal on the net to get a "consolidation loan".  This company had you pay an "insurance" fee in case you didn't make the payments.  Funny--the ins fee had to be Western unioned to CANADA.  He did not do it once, but when the money didn't come in, they told him to send more---AND HE DID!!  Oh yeah, the money was my daughters.  She calls me hesterical one day--tells me what this idiot had done, she had already mailed out all of her bills--they were all gonna bounce!!  (yes-he was scammed! But I would think that any 31 yead old, supposedly college grad with a Bus deg, would have figured that out)I told the two of them to move in with me and my other daugher,m for a short period of time to pay me back and get them on their feet.  They agreed=things would be paid back, they would get me 400 a month toward utilities and and something weekely to pay back the other money.  WEll--did nto happen.  The car that this guy had my duaghter buy, was repossesed.  Then 3 weeks ago, he was arrested for embezzlement.  (At least he called his father to get money for an attorney)  He was sopposed to be in court yesterday0but the wokan who pressed charges did not show up. SO there is a continuation until Mar.  I really thought that I could get my house back==just me and the 2 girls.  Wrong!!So knowing that she was going to run the risk of bad checks, nsf fees, and possible crimianl charges, I took my rent money and gave it tp her.  Thought that maybe my aunt would send me a little bit if I asked.

SOld home 14 months later to pay off bills that were accumulating.  Purchased a smaller home-with a large down payment.  Thougth things would be ok.  WRONG!  College tuition had gone up, again.  The money was still out that my one daughter still owed.  The car payments.  The college payments.  Still paying off medical bills from my husband.  Utilities have gotten higher.  When there was money in the bank, all were paid on time.  But too many things in too short a period of time==things have gone crazy.  I have not made a credit card payment in months.  (Oh let me tell you-Christmas was HORRIBLE!!) The car payments, insurance, med bills, are killing me.  The guy who bought my house, his wife told me yesterday, that if I didnpt get all the rent to her, plus late fees, by Fri, I would get an eviction notice. Oh, my dentist of 23 years, sued me in court over $320.  They are garnishing wages.  Oh yea--IRS!!  I did my taxes early to get the refunds.  WRONG!  I owe 1700 fed and about 600 to state.  Just one more thing!!

I really believe that everyone would be better if I were not around.  It seems that everything I try to do only gets me in deeper and deeper!!  I do not know what to do!! 
I know you all woul d never care about any of this--so I have wasted a lot of time.  But the mental pain of not knowing one min t the nect about anything is horrible.  I really wish that I could have been the one to leave this earth. 

So as I started out---EVERYTHINGGS WRONG!

     Please HELP! Me and my family are in FORECLOSURE we really DO NOT

want to loose our house so please help us save it by donating some money

to us! It all started out when we were trying to refinance our house about 4

months ago and we were doing so with a company named: HOME Morgage

1,2,3. So the financial advisor seemed like she was willing to help us but my

mom with really low credit couldn't refinance. Me, I barely turned 18 and well

my little sisters don't really understand yet. But "Mortgage"

companies have Frauded us about 3 times in a row. They just seem so

honest, so to get make the long story short, we really need peoples help. Our

house payments monthly are about $5,500.00 Dollars a month! Excluding our

utility and other bills. My mom is sort of disabled right now because she had

an accident in her old job so pleaase help me and my family! I feel like I am

going crazy and cannot focus in my studies! Thankyou So much. Me and my

mother have borrowed money from people and we owe them as well it all

adds up to about $25,000K. So thankyou God Bless every one of you who

pays attention to this!

Sincerely,

Gabriela

Anybody who is INTERESTED IN REALLY HELPING MY FAMILY OF 4, PLEASE

EMAIL ME TO: foreclosure805@yahoo.com  Thanks, Gaby :D

I have both of my parents living with us in an attached apartment to my house. We are in desparate need to have work done on their floors-wheelchair issues-and bathroom-accessability/safety issues. Both of my parents are 68 yrs. old and disabled. We make too much money for local/state assistance but not enough money to hire anyone to do the work, supplies, etc. I can't find any help. Between prescriptions, food, utilities, mortgage, etc., we just can't afford a loan or even to save money over time. We have tried. They have been with us for three years and the situation is just getting harder to keep up with. Any info would be greatly appreciated. Thank you.

on this saturday (october 22) it will mark the three years since my dad has died.

he died due to complications with surgery that he had done to make his care easier (he had muscular dystrufy)

i am finding it very hard to cope with this year. and i do not know who to go to or how to go to them. i just feel very lost and very alone, even though i have great friends who have dealt with loss. it still feels like no one really wants to listen, as i tend to ramble on sometimes when i talk about my dad.

a friend -who recently lost his twin sister- told me i really should go to counseling -since he is and i guess it helps.
the problem is that i cant afford counseling, since my dad died my mom and i are having great financial difficulties -to the point that we are having problems paying our bills this month. and my town is small so there arent any local support groups or anything.

i am extremely stressed out because i do not do well in school at this time of year. i have no motivation around the time of my dad's death. but i am taking a class this semester due to the fact that my mother wishes me to. i recently quit my second job due to the fact that it was cutting into my class time. so now i feel horrible because i cant help my mom with any of our bills.

i am so stressed out!!! i am way behind in my classes and starting to feel like a complete failure.. i really need something that will help me take hold of my situation before my life falls apart!