I'm scared can someone please help?

Question

my parents have been fighting recently about us having low money.I don't want to lose my house because of bankrupcy.our only credit card is maxed out....i'm so scared any advice?

i'm only 13 so i can't work

we were planning on moving but now we can't because of the money

Answer 1

sorry you had to hear parents arguing over this, there is nothing you can do, its there responsibility, sit down and talk to your parents, tell them how you feel

Answer 2

Do not be scarred about adults problems, they are for your parents to worry about. Understand that by you being upset over this issue only adds stress to your mom and dad. Sometimes there is nothing you can do, just accept any change that may come from this problem as a new adventure. Your parents will figure out the best way to handle this and still provide you a good life. Be willing to cut back on some of the things you don't realy need and make do with what you do have.


hope this helps....

Answer 3

They need credit counseling...the legitimate kind. Do try to avoid scam companies...there are a lot of them. You might try the list provided by the Department of Justice:
http://www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm

Note that what they do is first, ruin their credit for quite a while. Still, they'll call each debtor and get them to agree to a reasonable percentage rate and payment. The credit card companies get something, rather than nothing, this way.

Bankruptcy is also an option for some people, but I think it's irresponsible if other options are open. Still, if you have any friends who are lawyers, they might have some useful ideas.

One way of another, they can start again without credit, and that may be a good thing for all concerned.

Answer 4

I am sorry. But you lose the really important thing. Your family. And being together. you may find out that it will turn out better for you and your family. Believe it is the best. think if it happen your parents will not fight. They don't have the pressure to keep up with bills. They can afford to be there for you and not work so hard. They can be fun because the pressure of the bills are gone. you will learn to not out send your salary. And make sure you have money for bad times. All that is good things. If you keep the house your parents may have to work more and no time to you. Don't want to be negative. But make it a positive thing in your life. You healthy and you have your family. It is a great thing. always think positive always. Know god loves you and will be there for you always.

Answer 5

Well first off make sure you know exactly whats going on. It may not be as bad as it seems. Talk to your parents and ask them what up. If it really is that bad, you can do little things for your parents. Like cleanig the house, and doing the laundry and stuff that lets them know you support them. also if you are trying to conserve money, you can not buy as many clothes, or use the internet and phone less, and turn of all the lights when you are done. these will help lower the bills a little. if you want to make somemoney, i suggest doing thing like raking yards, or mowing.

i hope everything works out, i know what it's like to have money trouble.

GOOD LUCK!!!!!

Answer 6

Its a scary feeling when you don't seem to have no control over what goes on in your household. Tell your parents that you are scared and is there any way that you can help. Doing well in school and studying hard so they can be eased of some school bills for college is a great start. Helping around the house, can help your parents also have one less thing to worry about. You have the right to vent though, so let your parents know that you are scared and worried.

Answer 7

This is an adult issue and I am sure your parents will make sure you are well taken care of. Parents tend to fight over finances. This is not your fault or your problem to fix, and your parents will fix this. If the worse thing that happens is they loose the home, they will most likely get into a better financial situation than they are now and perhaps argue less. I am sorry you are going through this. I know people who have gone through these situations, and in the end come out a lot better off than they did when they were going through it. Good luck!

Answer 8

Pray. Pray a whole lot. I tell ya, please don't be anxious... I'm not rich either, but will worrying add one day to your life? This maybe some kind of learning experience in life that your parants need to learn from. Please remember, that no matter what, you will be ok and taken cared of... your ok. If you would like to help, the best thing you can do, (since they are stressed) is stay calm, and help them... offer to do the laundery, and dishes, vaccumme, suggest they go out for the day and clean the home for them. Maybe you could help organize a yard sale? Mostly, don't worry, and the more everyone pitches in the better... it helps people to think clearer and be able to solve problems like this when they are relieved of some everyday stressers like housework etc.

None of this is your fault. you sound special. Keep your chin up, God loves you...

Take a look at this site... you may have a friend you need to pass this on to...

http://www.childhelp.org/resources/learning-center/for-kids

Answer 9

Hi, there I see you are in a rut right now but you must remember this will pass,. There is lots of ways for your parents to work this out, when they stop feuding about it and put their heads together.Your family is not the only ones that this happens too,and I know you are scared and worrying what your friends will say. Your family should know the different ways out of this mess, and that is what they should be doing ex. extend their mortgage,seek financial council,maybe sell something that isnt needed ,material things are not important,The Family IS Good Luck

Answer 10

When my cousins were about 6, 7, and 8 years old, they heard my aunt and uncle say, "I don't know where we're going to get the money to pay all these bills."

The kids thought they were really in trouble, so they took their empty laundry basket and went from door to door, asking neighbors if they would buy the basket so their Mama and Daddy could have money to pay their bills!

Fortunately, one neighbor, a friend of my aunt, called her right away before the kids had gone to too many neighbors!

You may have misunderstood. Why don't you tell your parents what you heard and ask them if they are really seriously worried, and ask what you can do to help.





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Answer 11

okay honey first do not pank! do you have a job? if so try to save your money by getting your food from home instead of eating out while at work! then bills bills bills they always find ways to add up. call them let them know you will not be able to pay for it see if they have a plan where you can break it up in small payments until you can handle paying the full amount. and don't waist money on useless things. good luck