This Sucks So Bad!

I have always had a little debt, but not that much to worry about.  I have a credit card but I have always been able to pay more than the minimum payment every month.  Now that my husband has been out of work for almost a year, I am swimming in debt!  I feel like I am drowning! 

I just got paid on Friday, and I didn't even make enough to cover the bills I have due this week, let alone food or gas.  I am at a point that I don't know what to do.  This is really not helping my depression.  My husband looks for jobs, but it is really rough right now.

I have to pay all the bills every month, and I don't even make enough to cover them all.  Gosh if he could just find a job to cover his truck payment I would be a little less stressed out, I would be able to pay everything else and buy groceries. 

Thank goodness I have my parents close, they help out, but I am getting to the point where I don't want to ask them for help anymore.  I have always been a person who doesn't ask for help, I just figure it out.  Now, I am at a point where I need to swallow my pride I guess and do what I need to do. 

Tomorrow I am going to the welfare office to see if I can apply for a little assistance, enough to buy basic food like milk and bread.  I have a 2 year old, I can't let her go hungry.  I can let myself go hungry but not her.  I just don't know what to do.  I am crying even writing this. 

I have talked to some credit consolidators, but I can't get help from them.  I don't have enough debt.  I just feel like I can't win.  What do I do?  I have one credit card that is maxed.  Do I open another one just to cover what my pay checks don't? That is what I am thinking, even though I hate credit cards.  I don't qualify for bankruptcy, I refuse to do that.  I have worked so hard to have good credit.  I just don't know what I am going to do.  My husband filled out paperwork to get an extension on his unemployment, but who knows if he is going to get it. 

I just feel helpless.  Everything I do is getting me nowhere.

J21883 J21883
26-30, F
1 Response Mar 2, 2009

I'm sorry to hear what you're going thru but was hoping to maybe offer you some advice. I was in a similar situation myself and managed to get help through a debt settlement law firm. You mentioned that the credit consolidators weren't able to help you, and I don't know how much debt you have but I think it'd be worth it to give them a call. The co. I went thru took the time to listen to me and the cost was very reasonable, way less than what my minimums were which meant that I had some extra $$ for other necessities in my life. I no longer am afraid to answer my phone or open my mail since I know it's all being handled by a legit company. I will PM you their phone # and hopefully they can help you.