Comments on: What to Do When You Have No Money http://www.findingyourmarbles.com/life/what-to-do-when-you-have-no-money/ A Mental Health Survival Guide Fri, 21 Nov 2008 04:40:13 +0000 http://wordpress.org/?v=2.6.3 By: Scott Davis http://www.findingyourmarbles.com/life/what-to-do-when-you-have-no-money/#comment-4773 Scott Davis Tue, 11 Mar 2008 16:43:08 +0000 http://www.findingyourmarbles.com/life/what-to-do-when-you-have-no-money/#comment-4773 Hi Donna, Thanks for writing. It sounds like you've been having a pretty rough go of it. I don't know of any creditors who will write off debt due to hardship, but I'm sure that they will be willing to discuss your situation with you, especially if you are making an income (even if it is small) and you are willing to work on paying them back. Is there a credit counselling service in your community? They are usually in the yellow pages, but if you can't find them there your bank might be able to help you. Credit counsellors can help you negotiate with your creditors and they can also help you learn about what other resources or options might be available to you. Scott Hi Donna,

Thanks for writing. It sounds like you’ve been having a pretty rough go of it.

I don’t know of any creditors who will write off debt due to hardship, but I’m sure that they will be willing to discuss your situation with you, especially if you are making an income (even if it is small) and you are willing to work on paying them back. Is there a credit counselling service in your community? They are usually in the yellow pages, but if you can’t find them there your bank might be able to help you. Credit counsellors can help you negotiate with your creditors and they can also help you learn about what other resources or options might be available to you.

Scott

]]> By: Donna McCrary http://www.findingyourmarbles.com/life/what-to-do-when-you-have-no-money/#comment-4761 Donna McCrary Sun, 09 Mar 2008 06:25:30 +0000 http://www.findingyourmarbles.com/life/what-to-do-when-you-have-no-money/#comment-4761 My husband passed away and during the interim that he was ill, we exhausted our savings, Now I have30k in debt that I absolutely cannot pay. The income I am receiving only will take care of my rent, utilites, Insurances, prescriptions. I have let the bills go, so my credit is horrible, but I have communicated with all and explained my circumstances. I had been taking care of my 85 year old Mom, so this caused me to become unemployed and draw SS. I still am looking for a part-time position, but even with this, will not help that much. Is there any way out of this? Are any creditors willing to just write-off the debt due to hardship circumstances.. My husband passed away and during the interim that he was ill, we exhausted our savings, Now I have30k in debt that I absolutely cannot pay. The income I am receiving only will take care of my rent, utilites, Insurances, prescriptions. I have let the bills go, so my credit is horrible, but I have communicated with all and explained my circumstances. I had been taking care of my 85 year old Mom, so this caused me to become unemployed and draw SS. I still am looking for a part-time position, but even with this, will not help that much. Is there any way out of this? Are any creditors willing to just write-off the debt due to hardship circumstances..

]]> By: Scott Davis http://www.findingyourmarbles.com/life/what-to-do-when-you-have-no-money/#comment-4606 Scott Davis Mon, 25 Feb 2008 03:20:20 +0000 http://www.findingyourmarbles.com/life/what-to-do-when-you-have-no-money/#comment-4606 Hi Terry and Bill, Sounds like you're having a hard time of it. I don't really know what to suggest. Is there any way you can work something out with your landlord for the rent due Mar. 1? Where I live, you can get grants for your utility costs from the government, have you looked into that? I don't really know how it works in other places, but here I think it's run by Community Services. Another thought is temporary work for a couple of weeks...are their any temp agencies near you? It's boring work but you could stock shelves or something for a few days, just to get together some cash to cover the short-term stuff. Other than that, I guess all you can do is hope and pray. Maybe something, money or help, will come up. I've been there and I know how hard this can be. I wish you all the best. Take care, Scott Hi Terry and Bill,

Sounds like you’re having a hard time of it. I don’t really know what to suggest. Is there any way you can work something out with your landlord for the rent due Mar. 1?

Where I live, you can get grants for your utility costs from the government, have you looked into that? I don’t really know how it works in other places, but here I think it’s run by Community Services.

Another thought is temporary work for a couple of weeks…are their any temp agencies near you? It’s boring work but you could stock shelves or something for a few days, just to get together some cash to cover the short-term stuff.

Other than that, I guess all you can do is hope and pray. Maybe something, money or help, will come up. I’ve been there and I know how hard this can be. I wish you all the best.

Take care,

Scott

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