How do i ask for help with my bills?

Question

Ok i own a house and owe a lot in bills. In january my husband stopped working for the entire month and we got so behind in our bills that we cant seem to catch up no mater how much we work. Infact we are about to loose our house if i cant come up with some money soon. Someone told me that there is a place where i can go, post an ad or something like that, and people voluntarily donate money to help with peoples bills. I have been to the emergency room several times and i cant pay for those bills either. Cant get more loans because i got a loan already and cant pay for it either. Also put my credit cards in a debt consolidation program and still cant seem to help my families situation. My husband has 3 jobs i have 2 and my 16 year old daughter has 2 jobs and we still cant get out of our financial troubles. My poor daughter is working hard so we dont loose our house but im afraid we are going to loose it anyway if we dont get help. Please, im begging you, tell me how i can get help!!!!

Answer 1

Talk with a bankruptcy attorney.  You may qualify for a Chapter 7 (complete discharge of debts).

There may not be a fee for the initial consultation.

Answer 2

Sounds like you're in a bad way right now.  Everything I'd normally advise someone to do - you've already done.  Have you sold some stuff?  Just remember, that even if you lose your house - that it's NOT the end of the world.  Rent for awhile if you have to, clean up your financial situation and in a few years, you'll be eligible to buy again.  Make sure you stay in contact with your mortgage lender, too.  A LOT of people are filling the pinch and they may be able to work with you a payment plan to catch up if you think it's worth it to save your house.  good luck!

Answer 3

You may want to consider a chapter 13 bankruptcy.  It will protect your home and help you get rid of those medical bills.

Answer 4

WHy dont u try and consolidate all ur debt???, and I dont think ur guna get anyone to donate money for u to pay your bills, good luck with that, this is life hunny

Answer 5

i hope i can help. you have the resources to get out of debt already. you just need to know how to use your loan  and credit cards better. you need to look into a program that will show you how to become debt free with your current income using your credit cards and loan. use your loan or credit card as a checking account, this will have immediate pay down effect. look into u1stfinancial.com for more and clearer answers. you can become debt free sooner than you think!