freckles73 Posted December 2, 2006 Share Posted December 2, 2006 Sorry, I'm kind of ranting here. Long story short, due to a serious medical problem (I'm fine now, knock on wood) I got into serious horrible debt. My credit was ruined, and after several years of trying to pay it off, I just can't do it any more and I need to file bankruptcy. To make things worse, I lost my job and am having a hard time getting past the credit check part of getting a new job. Two offers were recinded. Anyway, I'm really broke. Too broke to file bankruptcy even. And am afraid of being homeless. My family knows all this and hasn't done one single thing to help me out. They're all I have and they have the means to help, but they won't. But somehow they had the nerve to email me their Christmas "wish list" when they know I cannot participate in any sort of gift exchange. It's so hurtful. I think if they saw living in a cardboard box in an alley and eating out of a garbage can they would simply shrug their shoulders and walk on by. I am having some serious doubts as to whether I can make it. I'm in so much pain and am really scared. But because I don't have little mouths to feed nobody and no agency seems to give a rats ass about me. Happy friggin' holidays to me. Link to post Share on other sites
CardPlay3r Posted December 2, 2006 Share Posted December 2, 2006 Wow. Sorry freckles, that's really bad...since they treat you like this I'd say you should sever ties with them, they are so not worth it. I don't know anything about your sistem over there...but maybe you can find a friend to loan you out until you get back on your feet? Link to post Share on other sites
coco_milkshake Posted December 2, 2006 Share Posted December 2, 2006 Hey freckles...im sorry to hear about your situation, isnt there any types of benefits you can apply for? Sorry, I am not familiar with the system in the States but that would be worth a shot if its a possibility. Take care Coco Link to post Share on other sites
goodfriendeva Posted December 12, 2006 Share Posted December 12, 2006 wow im sorry about what your dealing with.. i wish i knew the state you were in.. if you lived in cali i could give you tons of info for your situation Link to post Share on other sites
WTF Posted December 14, 2006 Share Posted December 14, 2006 Sorry, I'm kind of ranting here. Long story short, due to a serious medical problem (I'm fine now, knock on wood) I got into serious horrible debt. My credit was ruined, and after several years of trying to pay it off, I just can't do it any more and I need to file bankruptcy. To make things worse, I lost my job and am having a hard time getting past the credit check part of getting a new job. Two offers were recinded. Anyway, I'm really broke. Too broke to file bankruptcy even. And am afraid of being homeless. My family knows all this and hasn't done one single thing to help me out. They're all I have and they have the means to help, but they won't. But somehow they had the nerve to email me their Christmas "wish list" when they know I cannot participate in any sort of gift exchange. It's so hurtful. I think if they saw living in a cardboard box in an alley and eating out of a garbage can they would simply shrug their shoulders and walk on by. I am having some serious doubts as to whether I can make it. I'm in so much pain and am really scared. But because I don't have little mouths to feed nobody and no agency seems to give a rats ass about me. Happy friggin' holidays to me. Things always get better my friend. Be nice to people even though it hurts on the inside. And things will change for you. Life will give to the givers and take from thre takers in the end. WTF hears you and feels your sorrow. You will be in my thoughts and prayers...............P.S. I'm broke as **** too. Working for family sucks. My Last pay check I got was in october And my credit is also gone. Link to post Share on other sites
blind_otter Posted December 14, 2006 Share Posted December 14, 2006 Have you asked anyone outright for help? My family is like that. They simply will not help unless you eat crow and ask for help. But I learned to eat crow quite handily and my mother has helped me out tremendously since I learned to ask her for help. Just wondering. I do understand how you feel. I was on foodstamps for quite a while this past summer/fall. Link to post Share on other sites
Author freckles73 Posted December 15, 2006 Author Share Posted December 15, 2006 Have you asked anyone outright for help? My family is like that. They simply will not help unless you eat crow and ask for help. But I learned to eat crow quite handily and my mother has helped me out tremendously since I learned to ask her for help. Just wondering. I do understand how you feel. I was on foodstamps for quite a while this past summer/fall. Yes, I begged and cried and pleaded....again today as a matter of fact. They said I should go charities and government agencies. Problem is, I've called and called and every place is dried up for funding until January - March. I even called those places back today just to see if anything had changed. My landlord is harassing me on an almost hourly basis. I can't take it anymore. I'm about ready to cash my chips in. Link to post Share on other sites
blind_otter Posted December 15, 2006 Share Posted December 15, 2006 Yes, I begged and cried and pleaded....again today as a matter of fact. They said I should go charities and government agencies. Problem is, I've called and called and every place is dried up for funding until January - March. I even called those places back today just to see if anything had changed. My landlord is harassing me on an almost hourly basis. I can't take it anymore. I'm about ready to cash my chips in. Don't do it. There are resources out there. I was depressed for a long time and I had to get help from friends etc. to get motivated but I did end up getting foodstamps over the summer when I was jobless, which helped a lot, and you can get reduced utility and phone bills if you are on social services. Have you tried applying for foodstamps/temporary cash assistance? It can take a few months but if you persevere it can be very helpful. Feel free to PM me if you need support. I totally understand where you're coming from.... Link to post Share on other sites
Author freckles73 Posted December 15, 2006 Author Share Posted December 15, 2006 Thanks Blind Otter. I know you're trying to help. I do appreciate that. Unfortunately I'm too far in the hole and don't have time on my side....maybe two weeks at best. The agencies I called (practically everyone in the phone book) said I can get a box of food from the food pantry, utility assistance in about six weeks, and some winter clothes, but no one has cash for the rent. Kind of defeats the purpose. I'm just so worn down. Even took this crappy laptop to the pawn shop and was only offered $75....not worth getting rid of yet....can still use it to try and find work that will pay more than unemployment. Link to post Share on other sites
blind_otter Posted December 15, 2006 Share Posted December 15, 2006 Oh I'm so sorry that you have to go through this hard time. I will continue to keep you in my prayers. I know it doesn't help much but that's all I can do from here. Link to post Share on other sites
seven Posted December 15, 2006 Share Posted December 15, 2006 There are non-profit consumer credit agencies that may be able to help your situation or offer advice. Usually listed in yellow pages under Credit & Debt Counseling Services. I believe they will need you to prepare of list of all your creditors and debts owed [credit cards, mortgages, car payments] and they work out with you and those businesses a payoff plan. They basically manage your money until you pay it off, but it may help prevent bankruptcy and will raise your credit score again. Not to mention taking some of the pressure off yourself. I think most of them have non-mandatory budgeting classes that meet monthly or whatever to help keep people on track and offer positive support while you're getting through it. Just thought I'd post about it in case it would be of help. Link to post Share on other sites
pricillia Posted December 15, 2006 Share Posted December 15, 2006 Thanks Blind Otter. I know you're trying to help. I do appreciate that. Unfortunately I'm too far in the hole and don't have time on my side....maybe two weeks at best. The agencies I called (practically everyone in the phone book) said I can get a box of food from the food pantry, utility assistance in about six weeks, and some winter clothes, but no one has cash for the rent. Kind of defeats the purpose. I'm just so worn down. Even took this crappy laptop to the pawn shop and was only offered $75....not worth getting rid of yet....can still use it to try and find work that will pay more than unemployment. Ok I was not going to post for a while, but I can not just sit by and read and not try to offer words. Have you tried going to a temp agency as they will place you on a temp basis, I really do not think that temp agencies do a credit check, it is something for now to get you up and running again. There are jobs out there that do not do extensive background checks maybe paying less but they are out there. Do you have any friends that may be able to help you with this at all if family is not able to lend support, it is alright to ask for help when you need it, has it always been this way that family does not help? This could be anyone of us in this position and I hate to see how this would possibly end up for you. Please just keep telling yourself that there is no where to go but up!!!!! Link to post Share on other sites
Guest Posted December 16, 2006 Share Posted December 16, 2006 YOU are not alone! My motto is "The only person you can depend on is YOURSELF". Nowadays the whole world is self-absorbed and narcissistic so you better get used to it and learn not to rely on anyone else for support. Sounds like I'm bitter - maybe I am but I've learned the hard way - people love to kick you when you're down. When you're weak people love to drive bulldozers over you so your best bet is to decide not to have a pity party but to fight back - pick yourself up by the bootstraps - tell others "I'm broke, unemployed and for once I'm looking out for myself and you're on your own this Christmas!". Stand up for yourself and tell people "Sorry but Xmas is very tight for me this year - about the best I can give you is a cup of coffee and some great conversation - wanna come over?". This way you put the guilt on them and when they say "OH I can't" you've canceled yourself out and owe them nothing! It's a ME ME ME society - and it's only getting worse. Look out for yourself right now until you get back on your feet. Link to post Share on other sites
CaterpillarGirl Posted December 19, 2006 Share Posted December 19, 2006 Have you tried any religious institutions, i.e. your local church/temple? If you talk to the pastor/priest/rabbi, sometimes they will be willing to lend you the rent money once you explain your circumstances. Link to post Share on other sites
melodymatters Posted December 19, 2006 Share Posted December 19, 2006 your letter really tugs at my heart strings ! I am currently in a crappy situation myself, but I know my family loves me even if they are states away, and that does help ! We may not know you here on LS, but we care, and know you can and WILL come through this ! HUGS !!!! Are you in the US ? Link to post Share on other sites
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