What a Looser

Looser! That pretty well sums up how I feel about my ability to manage my finances. I am 52 years old and I'm not sure that I'll ever get myself together. I was a widow at 40 with three children, $86.00 in cash and a husband to bury. My older two children are by my first husband, my third buy my deceased husband. I've managed for the past few years thanks to social security but now my baby is 17, they want let me draw social security for myself anymore, and I have gotten myself in some real trouble. My oldest two children have now married and left the nest. It's just me and the baby who has just started to work part time herself. She's a junior in high school and I feel that I have made her "good years" a living nightmare. At this moment in time I have 3 online payday loans, and one local. I am in default with the three online and was called yesterday by some outside collected on one of them. I know she was telling me about either paying now or having to take action with the police. She gave me one hour to come up with the money. I explained to her that I don't have the money but she didn't care. I really could not understand all that she was telling me because of her heavy accent and broken english. All the consolidation people I have spoken with will not take the payday loans. Please give me some direction. I don't know which way to go. The bank finally closed my checking account with an overdrawn balance of around 800.00. This is all from overdraft charges and I am running out of hope. Please help!