Since my wifes car accident we have become a one salary family. Who can I get money from to help pay bills.?
445859
doesn't your wife get some coverage under disabilty?  CHeck with your local gov. assistance.  What about her old job.  THey should have information on disability like social security.\n\nalso, you should try to consolidate your bills, and if you haven't *but im sure you have* list all of your expenses and see what can be eliminated and where you can spend less...electric *use less, by turning off unused things*, heating *lowering thermostat*, I know its a pain, but maybe even consider a credit counselor, if you cannot consolidate your debt without help.  Good luck.
1047151
Try going to a local church for the help you need.  Those fast loan places are bad news.  Your financial problems will only increase.
547240
family services should be able to help you get some assistance's. you might also contact the salvation army. they can help with food and they have some resources. they may also know where you can get help. you may be able to apply for social security, look into that.
394950
Your state should have a legal aid helpline.  Not sure where you live but do a Yahoo! search and type in your state's name and legal help and you should be able to find something there.  They might be able to give you advice for free because of your limited income.
901211
Speak to the Citizens' Advice Bureau about FREE debt advice. There are some other charities that will offer you free advice about the best/quickest way to repay what you owe but I am unaware of any organisation that will administer your debt for you or give you a consolidation loan without making some sort of charge. \n\nCAB will encourage you to look at what all your income and outgoings are and devise a strategy with you, not for you, as to how you are to pay it all back. Meanwhile, write a holding letter to your creditors telling them that you are seeking independent advice about the debt. It will only serve to stall them temporarily. \n\nWork out your priority and non priority debts. Priority debts are ones which will affect your home or your liberty and include rent/mortgage, water, gas and electric and any other loan secured against your property. Non-payment of council tax can lead to imprisonment and so is a priority debt. All other debts are non-priority. It is vital that these are paid first.\n\nDraw up an honest list of what comes in to your household and what goes out and include everything, including newspaper money and pocket money for the kids etc. Don't try to hide an amount under the heading 'Housekeeping'. Debt companies know what to expect to see under all the headings based on reasonable amounts according to your home circumstances and trying to hide amounts under ambiguous headings won't work. \n\nYou then need to write again to your creditors and include the income and expenditure form. They should then come to an agreement with you although they are not obliged to. If you go to the CAB with this information, they can help you work out payment plans for each creditor and give you a standard letter to send. It may also carry more weight with the creditors if they know CAB are involved. \n\nCreditors are not obliged to accept your suggested payment plans and will be looking for some commitment from you that you are determined to clear your debt. Can you return the cards to the company, cut up? Can you sell some of your assets? Can you take on another part-time job specifically to pay them off? Could you rent a room out in your house? \n\nThere are other options like IVAs or bankruptcy depending on how much debt you are in but these have as many cons as they do pros and are not the answer for everyone, particularly if you own a house with equity. You could speak to CAB about these options but think carefully before going down these routes. \n\nYou are right to think about alternatives to taking out more debt. There are obvious problems if you cannot keep up repayments on bigger consolidation debts especially if they are secured against your home. I don't know your own circumstances, of course, but maybe going through the debt procedures above will concentrate your mind on how you managed to get into debt in the first place, the pain of being in debt and how hard it was to get out of it which will prevent you from ever going down that road again. I know that I learned that same lesson the hard way and am steering well clear of ever going there ever again. Consolidation seems like easier options but will anyone ever learn to change their behaviour or is it just a quick fix to allow the same thing to carry on all over again? \n\nAnyway, good luck. It seems like a pit you can never climb out of but it will get easier. Promise!
18317
Work hard at your job to earn money to pay for these bills. \n\nLearn from your mistakes that got your license taken away and car impounded so it doesn't happen again...the court fees and fines you are paying are a preventable in the future.
380480
Yes there is..It's called wellfare help..sounds awful i know..but this is about supporting your 3 kids till things get better in your life..and it will..it's just going to take some time...trust me the wellfare office understands the struggles of single parents and by u going down there to apply for the things that u are having trouble to make ends with...they will help u...so long as u are 100 percent honest with them...Number one..if u don't have medical insurance to cover the kids...u will get it right away..since u are a family of 4.(not including this guy)and u make 40 thousand or less u can get it..including foodstamps..(just untill things get better).U can also apply for public housing..sure that sounds awful..but there are alot of places that are decent as hell and u wouldn't ever know that the landlord allows section 8 people.(section 8 means the landlord gets there rent period no questions ask cause the state pays him u pay him just a little maybe only 100 to 200 a month only set back is u are on a waiting list..but it goes quick in the spring time..u can also get help with heat the list is endless..all u need to show them is all the kids Social security numbers,yours as well..proof of paycheckstub from your job and copys of all your bills that u pay.like car insurance gas bill electric bill ect ect..u will be flabbergasted on all the areas that the wellfare dept can help u with...Remember this is your tax money that is helping u so why not make it work for your kids\nthere is also a place called the YWCA not YMCA(thats for men)they help with apartments furniture childcare ect ect..i know u ask for financial help here..instead of getting a check to cover your bills..all that i mention above they personaly pay your bills for u..if u ever want to talk more to me please feel free to contact me through my name...Good luck sweety u can do it..and get rid of the abusive so called boyfriend u don't need this right now..u and your kids come first and nothing else..PERIOD
1063500
I am sorry that you are going thur a bad time. And I know there are some places that will help you. However you waited until the last minute to try and find help and these people usually take longer than a few days to help someone. But don't be discouraged. Still go and try and find help. Maybe you could pawn some things to pay the bill. Water bill are usually not that expensive. Or ask a friend or neighbor for help. Keep your head up! Good luck to you and your children. \nPS. And for the people who are leaving nasty replies. Stop it! You don't know this woman's situation. She may have been married and her husband died and she is left to take care of their children all by herself. Or she could have been laid off or fired! Or even if she did have four children with no job or husband she didn't give her children away. She is still trying to take care of them. Never be so quick to judge. You never know what the Lord has in store for you.
990157
I agree with you on the position that staying home parent and taking care of the kids is a full time job.  But unfortunately since you are not earning income you are not considered working by the laws.  Why loan companies do not accept you only based on your income? Because you don't have any.  This is how they are looking at it- if they give you the money and you don't pay them (either loan for a mortgage or car or personal loan) how can they get money back from you?  From where?  If you earn money they can get a garnishment of your income.  And keep in mind that they are not in the business of repo-ing cars or taking away your house.  Don't get me wrong-they'll do it if they have no other choice but they would prefer to have another outlet of collecting their money.
912797
loans \ncollect cans \nfamily (not all from one person but split it between a few money comfortable  people)
696178
considering you are not at home asking this question and at work...take this time to look for part time jobs in the evening.  If you are cleaning an apartment every few weeks, why not try to do your own little side gig and do more houses or apartments.  If you have family that is willing to help watch the children while you earn extra $$ that is your answer.  If you are unable to pay your bills off you can consider filing for bankruptcy - it screws your credit for 7 years, but if you're not getting anywhere on the bills, then it's an option.  My mom raised 3 children, went without eating and things for herself so that we could have clothes and such.  We shopped at good will and i didn't know any better, i thought it was the greatest thing goin.  As much hoopla as people put on presents, it's about being with your family and making the most of the time together.  I would consider asking family to help watch the kids while you work a second part time job to earn more money, when you work hard for your family and prove that, people are more willing to help out.  Good luck and god bless!
93168
If you have no money, call some clinics from the Yellow Pages and try to negotiate with them on a partial payment.\n\nCall the Department of Human Services.  They may have a list of clinics that charge based on your income.\n\nGo to the emergency room.  They can't refuse you....Good luck!
257733
Since I don't know your situation firsthand, I can only offer up some avenues to explore.\n\nHave you exhausted all of your possible federal and public assistance possibilities?  You may be eligible for unemployment benefits, social security, medicaid, medicare, food stamps or childcare programs.  Consult a local social services center for more information on programs and how to qualify.  If you can at least get food stamps, the rest of your income can go towards other needs.\n\nIf you're not eligible for federal or state aid, then you might want to look for private sources of emergency funding, like churches or a local crisis center.  Many larger churches have special programs for emergency food and money. It should only take a phone call to the main number to get information.  Church affiliation is usually not a requirement for consideration.  They may also have a food pantry and facilities for childcare.\n\nIt's not easy to ask other people for help, especially if you've prided yourself on your independence for years.  Cancer is a slow moving disease and things tend to accumulate over the years.  The loss of your grandchildren is a burden shared by your entire family, so allow them to help out whenever they can.\n\nThe reality is that more money is the only real solution to financial troubles.  Where that extra money will come from may seem like an insolvable puzzle right now, but you might find something you can do to raise it yourself.  Some people have made good extra money by selling items on Ebay, for instance.  There are websites with leads on legitimate stay-at-home jobs you can do in your spare time.  Some people create crafts and sell them at weekend flea markets or arts&crafts shows.  You could pick up extra work as a substitute teacher or babysitter or delivering newspapers.  Look at your circumstances as a way to pull yourself up and rejoin life after your recent tragedies.\n\nGood luck and God bless you and yours.
373079
If you paid part of the bill then you should be fine. You need to call the office & let them know when you can have the rest of the payment & go from there. Just hope you're not in a cold climate.
181439
Whoa!  I hope for you that is is purely theoretical.  Find a decent place to relocate.  Contact your insurance company and make sure you know who on the fire department is investigating your case.  Make sure you know what they find.  Whether or not it was your fault the home owner (if you rent) my try to hold you liable.  Contact red cross for any assistance they might be able to provide.  If you lost your phone and don't have a cell phone, get a cheap pay as you go phone.  You will be making more calls now than in the course of your life prior.  Contact the local place of worship for any help they can give.  Accept help but watch out for loans.  You are not in the right state of mind for signing contracts.\nGood luck
780221
You can try the Salvation Army.  Years ago I know they used to pay one month rent, one electric bill and one phone bill.  It would catch you up.  I think they still have this program.  It wouldn't hurt to try.  Good Luck
636523
List your income.  Then subtract necessary expenses - shelter (rent/mortgage, utilities - gas, water, electricity, not cell phone, satellite, internet), food, clothing, transportation (gas, insurance, NOT auto loan), and emergency fund savings (more on this later).  Do you have money left over?  If yes, go on.  If no, you need to get a second job or do something (yard sale, eBay) to get more money.\n\nNext subtract discretionary expenses - life insurance (needed if you have dependents, not so important if you don't), auto repairs (oil changes, registration), home maintenance and repairs (if you own), cable/satellite, internet, cell phone.  Do you still have money?  Then keep going.  If no, is there anything you can cross off this list (cell phone, internet)?  Now do you have money left?  If so, keep going.\n\nFinally we get to debts - auto loans, credit cards.  List these in order from SMALLEST BALANCE to largest.  Put the minimum on everything except the smallest, and everything you have left on the smallest.  If you get to this point and the money's gone, you need to start making some calls.  Start with the credit cards - see if you can work out a deal for smaller payments or skipping payments for two months.  You may have to talk to a manager, but if you call before they start calling you, they're much more likely to work with you because it shows you WANT to pay.  Don't let them tell you what you need to pay - only YOU know what you can afford.\n\nDo you have an auto loan?  Could you sell the car, pay off the loan and get something CHEAP with the money left over, or are you upside down?  Either way, consider selling the car.  If you're upside down, paying off a part is easier than paying off the whole thing.\n\nAbout that emergency fund in savings - ALWAYS have money in savings for emergencies (like getting fired).  Bad things WILL happen (especially when you're down), so it's better to be prepared for them.\n\nI hope this helps.  If I can be of any more assistance, let me know.