I need advice...

[NoahsMommy]

Guys, my life is falling around me.

I need to know how I can get a loan to cover all the money I owe for bills and rent. You all did an amazing thing for me in sending me all that money. It paid my rent for August and I'm eternally grateful.

I have the worst credit imaginable. I tried getting a loan through a place specializing in bad credit and I was denied.

If I don't get a loan, I'll lose my apartment, car and cats. (Everytime I look at my cats, I start to cry ) My mom has always said that I can live with her, but I cannot bring my cats.

I don't know what to do. On top of all my health problems, this too.

Does anyone have any advice?

[luvofallhorses]

Sorry I don't have any advice, I wish I did.

[shais_mom]

no advice either just support - love and prayers.

[Nomilynn]

You can come move in with me and we can be roomies

I know that isn't really possible but I wish I could help *hugs*

[NoahsMommy]

thanks, sweeties

((hugs))

[PJ's Mom]

Have you tried any of the local charities in your neighborhood? Salvation Army, churches, etc? If you tell them your situation and tell them you're about to start a new job, they may be able to help, or direct you to someone who can help.

I wish I knew something else to tell you.

Good luck.

[caseysmom]

I think living with your mom would help for now, you could save money when you start working. Is she really adament about the cats? Maybe you could get her to compromise???

[Craftlady]

I'd contact those credit counseling service (pick one that is a .org they dont charge a fee) they can make arrangements with creditors for reduced payments. You might want to consider bankrupty but do it quickly because as of October 17th the rules change that dont allow debts to be erased (Chapter 7). On/after 17th only way to do it by Chapter 13 (repaying debts). Here's a good site for information that I found when I did a search to get the Chapter 7 and Chapter 13 information correct. Call around and get fee charges. Ones that do this type of work allot charge less for their services. http://www.totalbankruptcy.com/index.asp

[Pam]

Kelly, my Robyn is just about your age so I will comment as if your situation was our situation. I would plead with her to come and move in as I think lessening some of the stress in her life would go a long way. At least temporarily there would be no rent to worry about. That said, of course I would have her bring the kitties. I am not criticizing your mom because I guess she has her reasons. I would ask a good friend or family member to care for the kitties temporarily until you are back on your feet with your own place. Your mom might even be able to help with a car payment or two. I would sure try. That is what Moms are for. You have come so far to have this get you down Kelly. I hope things start to look up soon. (((hugs)))

[CalliesMom]

I have no advice either but wanted to let you know you are in my prayers. I know this has to be so difficult but things have a way of working out.

[finn's mom]

I don't have any good advice except to move in with your mother and find someone else to keep your cats. Is there a no kill shelter or rescue that could help or lead you in the right direction? Just finding someone that could temporarily keep your cats...I'm sorry that you're going through this...

edited: And, maybe I've missed something or am just stepping over a line by suggesting this...would David be able to keep the kitties temporarily? Again, I have no idea if y'all still communicate or anything...just a thought, though...

[anna_66]

Kelly, I have to second Pam's advice. I know if I were your mother it's what I would do too. I'd do everything I could.
I hope you find something that works for you sweetie.

[BitsyNaceyDog]

Justin works for In Charge Debt solutions. It's a company that really works to help you in whichever way is best for you. There is a toll free number in the top right of the website that you can call. Justin said to becareful getting involved with most debt consolidators, as a lot of them are bad news. He said In Charge really is a good company. If you have any questions feel free to PM me and I'll see if he can help you. He's not a debt consolidator though, he works in the education department and runs their web sites.

Good luck, Kelly

[Rachel]

Kelly, have you had your mom detail for you why she feels she can't have the cats if you come to live with her? There just might be some things you could do to convince her that her concerns can be handled in a manner which would not present the problems she is anticipating. Maybe keeping the cats in a single room or even a separate area such as a basement if it is a dry and holds no dangers. No that wouldn't be ideal or desirable, but it might be *workable*. Maybe you could convince her to give you a trial period of say 3 or 4 weeks during which the cats would be with you and if after that time she still felt that she just couldn't accommodate them, there would be a plan in place to house them elsewhere, such as a no kill shelter. Would your mom agree to you bringing just two of your cats? Do you have any aunts, uncles, extended family who might be willing take in one or more of your little brood?

I do believe that having your mom willing to provide you with a place to live is going to be your best bet to regrouping financially. Your health challenges make it extremely difficult to make any progress with your financial situation, so that has to be your first priority. Your health is the key to not only support yourself but your kitty family. Sometimes you can only do the best you can and you have to forgive yourself for not being able to do better.

[moosmom]

Kelly,

I so wish we lived closer. We could move in together cats and all, and help each other out. (Are you willing to relocate???) I agree with Pam. Are there any friends willing to FOSTER them till you get back on your feet? I know this probably isn't what you want to hear, but would David be willing temporarily foster the cats? Please don't be angry with me, it's only a suggestion.

I want to call you right now but where you are it's only 8 a.m. (It's 11 a.m. here) How about a compromise with your mom. Tell her you'll keep all your cats and their paraphernalia in your room with the door closed.

Oh honey, I really wish I knew what to say. I've been seriously thinking about just packing up my stuff, putting it in storage, putting my puddies in their crates and heading back to CT. Only thing is I'd need a place to live temporarily.

My o-so-dear brother (NOT) during his little "rage" over the phone, suggested I call anyone and everyone I know including my 3 cousins who I don't have much contact with, and ask them if they can put me up for a while till I find a job. I don't hear HIM suggesting I come to his house.

Anyway, this is your post, not mine. I'll call you today. You can cry on my shoulder all you want, because I love you and I'm here for you.

I keep telling myself that this is God's way of testing us. But we've BOTH been through so much crap, I'm beginning to wonder.

((((((((HUGS)))))))))))))))))))

Donna