I know everybody has a story and there are probably plenty of people on here who really need help. I am sure if you are reading all of these that it is hard to tell who is real and who isn't. This is the first time I have ever done anything like this and to be quite honest, I am embarrassed and ashamed to put it out there. We have always paid our bills and been on time. Up until two years ago i had a 720 credit score too. That is over with. You see we had been foster parents for the last 5 years and had really enjoyed it. In fact we adopted a child through fostering. He is our fourth child, the other three are our birth children, and he is amazing to watch. We know we were doing it for a purpose we might never know what it is but i know I have a son from it that I would have never known. About two years ago we took in a sibling group of four that were my nieces and nephews. This brought us to 8 children. Our car was too small, our house was too small and for about the first year we weren't receiving any financial assistance. My grocery bill every month was over $1500.00. As you can imagine, most months I had to choose between feeding my kids and paying a bill. I chose to feed them. In doing this we had a home foreclose on us, we had a car repossessed. I couldn't help it. We did the best we could and limped along. About 6 months ago we discovered the sibling group was being physically abusive to my children. We couldn't help them and hurt our children any longer. We made the difficult decision to let them move to a therapeutic home that would be more of a fit for them. One where they could be together. It was a difficult decision and one that I struggle with everyday. I love them and miss them but was forced to make a decision for my family. I had to choose them. In the mean time we have tried to get back on our feet but you know how the snowball seems to roll sometimes. You feel like you cant catch a break and wonder why all this stuff has to happen to decent people just trying to do the right thing. As we speak i can't pay a car payment of 402 which makes it two months behind and if it rolls into january it will be three months and that means they start repossession. I cant pay phone and gas and have until the 21st to do that or they go off and i don't have a thing for christmas for my kids. Its not like i spent too much money on them and cant pay my bills. I don't have anything. I have about $100.00 in the bank to make it until January 1 and I simply don't know what to do. If you are out there and read this and it touches your heart please help. I have never felt so helpless in my whole life. I have already sold off anything I had of any value. I figure if i could get $2500.00 I could get groceries and pay the utilities and car and have a little bit left over for something for the kids for Christmas.
Won't you please look inside your heart and give something, anything.
Blog: Bradley Associates financial solutions blog - What About Good Debt Advice? by Kamilla B.
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