I was a nurses aide and was making good money. Unfortunately, I got very sick and lost my job. Now I am on the verge of having my car repossessed, my bills are behind, and I am just about ready to give up on life. PLEASE HELP ME.
2006-06-16 16:22:48 · 10 answers · asked by bsnabsts 1 in Business & Finance ➔ Personal Finance
Call my friend Gary Coleman at (800) Cash-Call. He'll put $10,000 in your checking account in less than 24 hours. Payments, about $200.00 a month. Even a financially challenged person such as yourself can afford that! Make the call, get the cash!
2006-06-16 16:27:53 · answer #1 · answered by Anonymous · 0⤊ 0⤋
It really does sound like bankruptcy might be an option for you. If your credit is that bad and you're in that kind of debt, the last thing you need is another loan that you can't pay back at a ridiculous interest rate.
Bankruptcy has a very negative stigma, but it is intended to help people in situations like yours, who have simply gotten in over their head...usually through circumstances beyond their control. Bankruptcy will give you time to pay off the debts without worrying about everything being taken away from you because you continue to try to play by somebody else's rules. It will make it difficult to borrow money for a while, but it's certainly not the end of the world. I've known plenty of people that bought a house and a car and had credit cards again less than 5 years after a declared bankruptcy.
Look into it, seriously, as an option to consider. Don't let the stigma discourage you from doing what you have to to protect yourself.
2006-06-16 18:43:20 · answer #2 · answered by Milton a.k.a. the building pyro 4 · 0⤊ 0⤋
Let me encourage you my friend. Every life has ups and downs. That is natural. We have to learn to manage the ups so that we can be better prepared for the downs. Here is what you can do: Contact your creditor (the car company). Let them know that you have a temporary situation and that you have a new job (get one if you don't) and will be able to pay beginning in 30 days. Ask them to defer the payment by putting it on the back of the loan. In other words, they will extend your monthly payments by 2 to 3 months. You still own the money but you have a short reprieve. Then go to work! As a previous writer said, get as many jobs as you need in order to make it happen. Keep your word and start payments when you promised. Then never look back.
2006-06-16 18:08:06 · answer #3 · answered by maximfields 1 · 0⤊ 0⤋
Don't give up on life.
I don't know your situation but you need to start taking quick action....
I think a loan is the worst thing to do... it will just put you in more debt....
First, if you have good relationships with anyone in your family, I'd call them and let them know that you need some help...
Whether you do or don't have family, get out a phone book and start calling local agencies that can help with your problems. Usually look for non-profit agencies or even your city government could direct you to the right people. Also, if you are a member of a church, you may want to ask for help from them. If nothing else, they can help guide you to resources as well as give you some reassurance.
Call the agency you have your car through and see if they can reduce payments or have them on hold till you get your life back together.
Get back out there and look for jobs asap. Even if you have to waitress.... If you are feeling better, you need to get back out into the work force. If you are too sick to work, definitly look into getting some sort of government assistance.
Call all your utilities and notify them of your difficulties. They may not be able to help but they may be able to extend your billing date or take small payments etc....
You can pull through this!!!!!
2006-06-16 16:41:56 · answer #4 · answered by song of the phoenix 2 · 0⤊ 0⤋
I get e-mails all the time from people trying to give me loans and credit, I filed bankruptcy at wit,s end and now everyone wants to give me a loan, you gotta do what you gotta do, I have raised 2 children by myself and got in debt
2006-06-16 16:28:50 · answer #5 · answered by fanonebrowns 1 · 0⤊ 0⤋
I suggest you to buy your next car with your own cash.
I suggest you to save half your paycheck (when you are hired again) until you have saved a month of salary so you can pay the bills for a month even if you are unemployed.
I suggest you to open a HSA.
I also suggest you to buy disability insurance and health insurance.
2006-06-16 20:53:19 · answer #6 · answered by Anonymous · 0⤊ 0⤋
Never spend what you don't have. Credit cards are the opiate of the American masses. File for bankruptcy, you're credit will be wiped out - but it looks like it already is.
2006-06-16 16:28:00 · answer #7 · answered by Anonymous · 0⤊ 0⤋
Try Catholic Charities. They may be able to help. There's one in every city. Good luck!
2006-06-16 17:58:12 · answer #8 · answered by itsmeee2006 6 · 0⤊ 0⤋
sign up on welfare if you have to and try to get a personal loan from a friend or family member.
2006-06-16 16:27:02 · answer #9 · answered by Hidden Dangers 1 · 0⤊ 0⤋
go to www.capitalone.com and apply for a loan. They work with all sorts of credit.
2006-06-16 17:57:01 · answer #10 · answered by ? 3 · 0⤊ 0⤋