life help: What am I going to do? - Help.com

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Since it looks like a case of last resorts…

You should contact a company that will buy your loans. This means they will pay off your loans for you, then you pay THEM slightly more than the total amount, but over a period of time you can afford. Its means being in debt longer, and paying a larger total, but worth it for the stress.

I feel for you and your two boys. I have prayed you will find a new job and that your debts will be cleared. Have you applied for unemployment? If you were laid off, you should get some money. Also, not sure this applies, but if your former employer was making you and your fellow workers work off the clock, you’d have a good case for an attorney though this could take some time. I work for a wage and hour attorney (not a soliciation) and they take these cases all of the time. You pay nothing out of pocket. All of their fees come out of settlement.

Depending on where you live, you might have further options before they can evict you. You might appeal to a local or state agency(google for contact). In any case, the rest of your creditors can wait. Focus on the important ones, your rent etc. A credit counseling service might be able to negotiate with your other creditors and you could always threaten bankruptcy - though I wouldn’t go through with it if at all possible. This might get them to back off a little. Remember, they just want to get paid.

Also, perhaps you could ask for an extension from the landlord by explaining your situation.

Incidentally, you did not mention a spouse, so I am assuming he/she is either not available or unwilling to help?

Finally, if you belong to a good local church, they would not allow this to happen to you if you ask them for help. You are not alone. Forum rules don’t allow me to offer spiritual suggestions so this is the best I can do.

One final suggestion, given you don’t have any support that I can see for you and your two boys, I would think insurance in the future is a must for you. Get some insurance that will pay you in the event you’re out of work and will pay your bills why you look for work. I know it’s expensive and hard as it is to make ends meet, but look at the alternative you’re facing now.

oh gosh that is so awful, is there anything that you could sell, or a quick job you could do, like housecleaning or something instant to get fast cash.

It really sucks when theres no backup in place to help you, there should be.

do you have friends you could stay with or something??? if i was you i would be turning to the quickest way to make the most money fast, for youve got all this responsibility on your hands and that would be awful. i would sell anything to get you out of the rut.

once you get out of it, i would makesure every little bit spare you have you keep aisde for emergencies so u never need to feel like this again.

dont worry, it will get better.