Oops I did it again!

Good to see you Leah- but am sorry about your problems. Hope the baby is doing well..As far as the formula and diapers-any church in our area, as well as some local helping agencies won't let your baby go without! We live in a very small town, and we have some that do that--also the next town over is bigger. Anything would be better than getting in that awful cycle again.

Maybe a friend or relative could loan you the money until you get on your feet? Just some suggestions.

Contact your local health department- I was there to get my flu shot, and noticed they had flyers for people that needed assistance and numbers of those that would help

Good Luck--let me know what happens--hang in there sweetie!!..karen

Leah, Please see what other options are available. As Bossy said anything is better than starting the cycle. Be strong. we are here for you.

Oh, Leah. I am so sorry. I know the feeling all too well. I swear, I've dragged my a$$ to a friend's GIRLFRIEND and borrowed money. Talk about feeling like a low life! But at least she let me make her payments when I could until it was paid off. It sucks, but I thought it was a hell of a lot better to stick my tail between my legs and knock on her door. Whichever choice you make, you do what works best for you. We are behind you no matter what you do.

Oh Leah I am sorry to hear about this. You know if I had any extra I would send it your way. You do what you need to do, but remember what happened the last time, and only take what you need and what you can pay back without rolling over. But see if you can get some assistance some where else first. I wish you the best.

Now this thread title reminds me of Britney Spears :)) Isn't that the title of one of her songs? Leah, I'm very sorry to hear about your troubles and hope things are better soon.
But this leads to another question. What kind of loan package could someone get out there that's as short-term as a PDL, but doesn't charge ungodly amounts of interest like a PDL?

My credit union offers a kwik cash account. It is an overdraft protection for your checking account. But you can withdraw from it if you need to instead of overdrawing on your account. Yes they charge 15% interest. But the payments if you use all $500 is only $15 a month.

Now that's a start. What kind of credit would someone need to get a loan like that? And could someone with bad credit who would normally get a PDL get one?

Yes, as long as you have a checking account with the credit union.

Leah, go to a food bank, social service agency or call some of the battered womans shelters in your area. They all have resources for formula and diapers for those in need. You do not have to go back to those thieves!

I agree with everyone else. See what is out there in the way of assistance before you go back to those a**holes. I have gotten caught in the trap of having them all paid off and then something happens and would use them again only to get sucked back in. Whatever you have to do though do for your baby. Good luck to you and let us know what happens.

Hi Leah ~ good to see you! Have you tried checking into getting WIC? That would help with formula and a few other things. Also, I am not sure if you own or are renting your house, but check into housing assistance (section 8 or something like that), also check your income for food stamps. I know doing this stuff is hard to do, it was for me, but sometimes we have to swallow our pride and go this route. Just don't make it a permanent solution. Use it until you can get back on your feet. There are also church organizations that might be able to help or Salvation Army or someplace like that.

Hang in there and try not to get that pdl if you can help it!!!!

Please do not go there. Is there not a friend or relative that can help you out? I know it is hard but it will work out. Just keep your faith and it will come to you!

I'm sorry to hear of your trouble,Leah. My parents and I went through this recently too. We still haven't had the money to pay our rent, and are afraid that the landlord will kick us out, because we were late with the rent last month as well. I really feel for you. :( To 2nband who made the comment about help above, how would you find out about WIC, section 8 and food stamps in your area? (or my area in this case) I've thought about checking into those things, but I believe my father and I make too much money. I've heard that they base the requirements on how much you make BEFORE taxes, which doesn't really make any sense to me. That, and they never take into account your personal circumstances or how many bills you have coming out. :( Oh well... Oh, and in case anyone's wondering since I asked the question about help in my area, I live in Fairfax County, Virginia.
Hope you find help somewhere Leah.

Kelly

The web site for WIC is http://www.fns.usda.gov/WIC/

It will give you all kinds of information such as how to apply, income guidelines, etc.

For Section 8 or housing assistance, go to HUD dot GOV

There is a section there under AT YOUR SERVICE that tells you about how to apply for housing assistance.

For Food Stamps the site is the same as the WIC web site except instead of putting WIC after the first back slash, put FSP

Also check with Social Services.

These are the actual web sites and I am sure they can take you to whatever state you are in. Hope this helps.

Leah,
The food stamp agency can also give you emergency stamps right away if you're really in a bind. Also, your Human Services or Social Services agency can put in something known as an EWS. I'm not sure if its still called that. I haven't worked with social workers for a while. Essentially that is emergency assistance for and individual or family in need. It is a one time service though. Just go to them and explain your situation. They are usually willing to help, especially if you have children.

Thanks for the advice. I make way too much for food stams, and make 200 dollars to much for WIC and HUD has me on a waiting list. I have exhausted all my resources as far as borrowing money. I am gonna ask my mom again but I doubt she will help me this time

I WISH I HAVE SOME POINTS TO GIVE TO YOU NOW FRIEND.
I PRAY FOR YOU AND YOUR SON ALWAYS AND I WISH YOU AND
HIM THE BEST IN LIFE BECAUSE YOU ARE A WONDERFUL PERSON LEAH AND YOU DESERVED TO BE VERY HAPPY WITH YOUR SON.

Leah, have you gone to the Red Cross or any churches around? Check with them also and like someone else said, check with social services and see what they can do to help. Please try to stay away from the payday loans if at all possible!! You know how easy it is to start that cycle. If nothing else, call you landlord and explain what happened, call the utlity company and whomever else you need to call and see if they will work with you. Sometimes the utility company will work with you on a payment plan, which means they will want part of the money and then will usually let you divide the balance up over the next few months bills. You might give that a try.

Thanks I will try...Problem is, I am 200 bucks short on the rent and it will be deposited tomorrow and I dont want to bounce my rent check they will probably evict me maybe my ma will help me again

Leah. I am a social worker. If you contact the social service agency they can help you even if you do not qualify for ongoing food stamps. They have emergency funds for just what you are going through. Also the person who said to go to churches is absolutely right, there are lots of organizations you can tap for some help. Please try I would hate to see you or your baby go without.

If nothing else, contact the landlord and see if you can rewrite your rent check and pay part now and part in a week or so or if he/she will hold the check for another week or so and just explain what happened.

How about all you good folks kick in your Debtcc points??????

I dont have many but I am willing. How do I donate?

never mind. I figured it out and donated. What a great idea Roadwarrior. I hope it helps.

Leah
I so understand and I have gotten in trouble again.. ( lost job son sick) BUT sometimes you do what you have to to take care of your kid..
as i POsted I am about to go to court on for a storefront long story but i am working again and not spending any extra and working on the mess all over.. BUT do what you have to to have a roof over your head and food for your kid
and before anyone knocks me walk a mile in someone elses shoes..

how are things going??? did you find an alternative or did you have to go ???? either way I wish you and your son all the luck in the world.

This is sad! A member of the community says she needs help with some scratch and everyone has all kinds of advice for her. Put your points where your mouth is and lay it on the line! Especially, members with over triple digit debtcc points.

Roadwarrior. Many people here are struggling. It is nice that you suggested the donation and I was able to do it but please dont judge others that dont. Many people have struggles that you and I are not aware of nor can we judge them for their choice to not donate.

Thats a great point stargzr...It shows I have 175000 but I dont not have $175 in points...its a collective total and I have since cashed in many times for my own struggles.

With all due respect, if advice and kindness is what can be given, then so be it...we are here for each other and each contribution, whether is words or points, are valuable.

i too have been on the cusp of heading to a storefront pdl for gas money, etc...so I can understand the temptation.

Please dont judge anyone I appreciate all the advice as well as the donations. I did have to get a pdl from checksmart especially after my husband walked out on us but I will be ok

Oh Leah I am so sorry. I am sure you did what you needed to do and it is always important to have that roof, food and heat for ourselves and our families. I am praying that things get better for you.

Leah, I hope its gets better for you. I saw the posting on the pub and despite the situation, try to hold your head up high :wink: i hope your baby is doing well.

Stargzr, Thank you for your post.Both you and Volley are correct. Many of us have our own struggles , and although we would love to be able to donate points, we just can not do it at this time. We can offer support and advice, and we do that openly. Please let us not be judged by our inability to donate .

Leah-sometimes you have to do what you have to do....No one is perfect.....Keep the faith....

I agree with you kash...I would love to donate points but am unable to at this time...but we are always here to lend an ear and a shoulder.

ladybug

leah do you get your taxes done thruogh h&r block
there may be alternative for you if you do. it is called the emerald advance. it works like a pdl
only better. you see the emerald line goes tp 300.00
and is payable by your refund. also it can be used again if needed,but you have to have had your taxes
done by h&r block last year. just something to
think about. a consumer friendly alternative to pdl's
a freind told me about it as he was about to embark
on the pdl nightmare. i don't advocate any type of
quick fix, but this sounds better than a ipdl.

I got one an advance just in time for Christmas. It was great and that is one advance I trusted.....Might be worth a shot......

Oops that was me. Forgot to sign in.... :oops:

No pay day loan advance is worth a shot.

I agree- I was talking about the H&R advance.....dont get a payday loan....oopssssssss.......I'm having a moment......I meant with the emerald card advance with taxes! :cry: SORRY!

AN H$R Block advance??? Yuk!!! Your paying interest to borrow your own money!!!!!!

NO NO NO. No loans. Go to your area church, they will give you what you need for food. You need to save a small emergency fund. You need to describe your living situation.
are you married, do live near family, are you renting, how many children , how old. How much is your rent, bills, income.

Ok,
I don't like where this one is headed. And because of that, I am locking this topic. This site has GOT to be a safe place for people to go to and judgement/bashing will not be tolerated. We can certainly disagree with each other but in a respectful way, OK? Sorry, but I have no choice...

I just needed to add that I deleted those posts. There was no need for them.