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Be aware that if you use the free pay over the phone and your credit card bill is due on say like today 8/21 you had better call it in by 4pm EST to avoid a fee of $39 dollars as it is considered late even though it is 8/21 and will be for now 4 hours PST and 3  hours EST.  It is in tiny print on the the second page of your statement or you can pay the amount you want to pay and the $14.95 fee over the phone so it appears paid by the 21st of this month. I just spent one  hour on the phone with my lovely credit card company...Give me a break..

Hi, is there anyone out there that is kind enough to help me pay off some credit card debt that has been charged up in my name.

I hate to admit it but I trusted my ex and now I’m paying for it, but my position at my job was eliminated so I really need someone that is generous and maybe empathizes with me. I know it was a mistake and it will not happen again as I have learned my lesson, but I am the kind of person that thought one could trust the person they’re with.

On top of all that, I was recently let go from my job due to downsizing and have no idea when I will receive any income. My unemployment was denied and so I am really out on a limb.

Please help out if you can.

From the point of view of a veteran who was recently discharged and experiencing financial crisis, I can say that credit cards can really break you more.

 I had to put the bills for the month on my existing credit card, and it didn't stop working at the register when I bought food.  I only saw the updated total this month online and it just so happened to have gone over the limit, and I'm being slammed by fees and finance charges. I was hoping to make do with the credit card until I got my pay but with the way the website didn't update the accounts purchases until a month later, I was left with a bigger debt than I started.

Now I'm in serious trouble and I would like to warn anyone out there to stay away from using credit cards if you're already in trouble like I am.  You'll just be digging a bigger hole than before. 

I'm a 28 year old female who was recently honorably discharged from the US Army.  I have injuries to my knees, hips and feet while in the service.  I won't be receiving my separation pay until after the middle of the month of January in 2010 and I could really use any help.

 I had to return to my old life with nothing. No car and no place. I managed to get a place with what little I had and a cheap car but I'm afraid I won't be able to make my rent, let alone my bills. Just trying to juggle bills my credit card is over-the-limit and I have no means of paying at all.

Rent is $395, bills total around $580 due in less than 2 weeks, before the end of December. I haven't even been able to go see a doctor because I can't afford it and the politics involved in getting even my health coverage from TriCare is unbelievable. They tell me to go see a doctor, that they'll pay me once the claim is done processing. But I haven't got the money to do that!

My credit card didn't deny me at the register when I bought groceries or when I paid off the bills last month, only to find out that it was late in updating online. Now it's over the limit and at $2130 and the fees are making it look worse.  I have no money to afford food, rent, utilities or even get gifts this Christmas.  I'm currently eating off of my family and they are my only relatives.  My paycheck used to help them with their rent so they can barely afford to feed me.  They definitely can't help me.  If anything, they need help with their health bills as much as I need help just surviving until that check gets here.  

 Thank you for your time and for reading my story. 

Things were going okay for us until I was laid off sever months ago.  During that time we fell behind in many of our payments.  It does not seem that we can even get ahead, with other things that happened.  Both of our vehicles needed a lot of work(around $2,000 worth), and we had to borrow money to get the work done.  Recently our 7 year old son was complaining about a tooth hurting,  and I am hoping it is just one of his baby teeth falling out.

 Just recently I was called temporarily called backed to work, but I am making $2 an hour less.   That is better than unemployment, but not good enough to catch up on the late payments.  There might be hope to  be rehired into my old company, but the pay could be even less that what I am making.

 What we really need help in is paying off our discover cards.  With the late payment the interest have gone to 29.9%, which make even paying the minimum impossible.   If you can help out with any amount please visit my site.  Thank you very much  With these cards gone(Yes they will be cut up and cancelled), I believe we can handle the rest of our bills.

JAckie 

Just a head up out there are options out that can you. Just require a lot of research and patients. I have been behind my credit cards and you I am not worried because of information that I find thru research. Just remember whats important to you. That is family comes first and no one can  take that away from you. If you have ideas about credit cards relief or want some advice that found thru research please me know. Good luck to all . Lets' put 2008 behind us.

My husband is an owner operator (truck driver).  He is self-employed and doing the best he can in this tough economic time.  I am a nursing student and currently looking for a part-time job.  We have 2 beautiful kids to support as well.  There is very little money coming in from the truck and mouting bills.  I do not qualify for a grant for my education because the nursing school is still waiting on the approval for accredidation (it's a hospital-based program in its fledgling years).  I have now just been informed on top of it all that a credit card has sent me to a collection agency for over $1400 of their outrageous fees.  I'm falling behind on everything and have no credit left.  One card is maxed out and behind.  The others have been closed by the credit card companies.  Is there anyone out there that can help me locate money?  Perhaps a grant that I qualify for or a generous heart?  Thanks and God bless!

This is my story…

In 2001, my wife confessed to having an affair with another man. I had no idea what was going on, and was crushed at the news.

I do not drink, do drugs, beat my wife, and I have never had an affair with another woman. I am a good man who goes to church but sins like every one else. We had drifted apart in our marriage and my wife became vulnerable.

While apologetic, she insisted that I needed to forgive and quit moping around or we were finished. In short, this happened and you need to deal with it and get over it and move on quickly.

We have two beautiful daughters, and I wanted them to grow up with a mom and dad in a good Christian home environment.

I rushed into forgiveness on the surface, but fell into a deep state of depression over the next several years. I had no one to talk to (although I did pray and talk to God a lot). The affair did something to my mind and changed me.

I became de-sensitized. I felt nothing anymore. My anger boiled and visions of what she and the other man had done in the hotel room haunted me day and night.

I swallowed this anger and hurt and pain on the inside, while putting on a happy face on the outside. I am a good Christian man who has made some bad decisions.

With no where to turn and desperately seeking some feeling in life, I discovered that I could have credit cards online and purchase expensive collectible comic books and make credit card payments online without my wife’s knowledge. I believe that the “high” of the purchase or being the winning bidder was similar to the reason people do drugs. It made me happy momentarily, but similarly I wanted more and more.

The real problem was that I would sell the comic books shortly after obtaining them, but I would only make slightly above the minimum payments on the credit cards and spend the rest of the money on other things. In essence, I was basically getting cash advances from the credit cards through the purchase of collectible comic books.

The problem evolved into having to buy more comic books to sell to keep making the credit cards payments. I was in a downward spiral, and was afraid to go to my wife and ask for help in fear of ruining the marriage or her becoming involved with another man again.

My wife is a good Christian woman who made a mistake and had the guts to confess and be willing to suffer the consequences. She does a great job managing our finances and I knew that the news of my mistakes would crush her.

I am a broken man, several times over in this life. I have done some good things in my life, but I have also done many stupid things.

I now find myself faced with $27,000.00 in credit card debt, with probably only about $1,000.00 in comic book assets.

Today, 11/11/08, I have committed to not using the credit cards anymore, selling all of my comic books, and spending the next 4 to 6 years paying off the credit cards.

I know that the journey I am about to embark on may be more difficult than the journey that led me here, but I am willing to stick with this to regain my manhood, dignity, and pride.

The good news is that I have come home. I have walked through the darkness and found my way back to the light. In that, we should rejoice. The credit cards are all at 0.00% or 1.9% interest rates, but I have to keep moving some of this debt to other credit cards to keep the debt at 0.00%, since most of these offers are not for the life of the debt.

So here I am, bare naked in front of you, helpless and embarrassed and ashamed.

I have been through too much over the years. I just want peace and happiness. I guess after the problems at home growing up and the stress of work and the news of the affair combined, I just cracked. Forgive me for being weak.

If you can or want to help me, please do. This is very stressful and it is a difficult road to travel alone. I know that God will see me through this…He has never let me down before.

Please keep me in your prayers, and thank you for listening.

Hi, I an really hoping someone out there can help me..Firstly I have ran up my partners credit card to the limit $12,000 he does not no about this I really dont want him to know about this.

My partner was in a sderious car accident in 2002 and he has severed his brain stem. There fore has no clue wot goes on....Apart from the $12,000 I owe a friend $1,400.0 and I am only receiveing a family allowance from centrelink $328.60 per fortnite.  My partner will  not let me go to work he wants me to stay at home to look after him.. He is very loud with his mous when angry so this is the reason I need some help.  I have an 11yro daughter and a 6yro son that atm are ok but as xhristmas is comming I dont know wot to do  I have a credit card minimum payment that was due on the 3rd Nov and the next one 3rd Dec..They have not rang me yet but I know they will.  Please if anyone out there can help me it would be so greatly appreciated by me and I would do everything I could to repay that person...Thankyou for reading my story and I just hope there is someone out there with enough money to help me.

Thankyou

You can help make dreams come true.

http://www.motocrossdreams.com/ 

This site is an attempt by a single Father to help his son make a dream come true. In 2005 things were starting to look up for us. Like many other single Mom's and Dad's we worked hard to stretch each dollar but we were getting by.

Then in January 2006 I was told that my job had been eliminated and that the company would be outsourcing the work overseas. In the nightmarish months that followed I depleted my savings and maxed out the credit cards in order to keep food on the table and a roof over our heads.

For almost a year I worked any odd job I could find while the mountain of debt grew. Finally, almost 10 months later I was lucky enough to have three job offers at the same time. Since then I have been working at putting our lives back together. The good news is we are starting to make a dent in the debt that accumulated. The unfortunate down side is by the time the essentials are paid there is very little left over.

While I was out of work, I was lucky enough to be able to spend a lot of quality time with my seven year old son. One of our favorite activities is to watch Supercross together. He really loves to watch Travis Pastrana in free style and Ricky Carmichael was his favorite racer. We talk about how he would like to get into the sport. We have been to some of the amature races and he enjoys watching the other kids his age ride. He will often say to me "Some day, I think I would like to try that Dad". It is almost enough to break a father's heart as I know he is only saying that and putting his dreams off because he doesn't want me to feel bad or to know how much it would really mean to him.

I do set aside anything I can but I fear it is nowhere near enough. If you would like to help make a little boys dream a reality your support would be greatly appreciated. In any event thank you for taking the time to visit.

To contact me directly please click here .

Feel free to participate in this public group space.

Two easy ways to do this:

1. Add a comment or a question here - on this page... or on any other page in this space.
   
2. Or, if you want to start a separate thread - make a new page.

Either way is good - the important thing is your participation. On Aidpage, people support each other by speaking out and by paying attention to each other - as simple as that.

The credit card companies have turned their backs on me. There was that time when i really wasnt looking to own a credit card. But after years of sales tactics and persuation, they got me...now they own me. I'm in too deep, i can barely pay them and they keep increasing my interest and charging me fees instead of giving me a way to leverage paying them back...they bury me more in the world of high debt and bad credit.

Now i can barely make ends meet. I asked for their (credit card companies)consideration to lower my interest so i can afford to pay....but all doors shut. I admit, i was irresponsible by being pursuaded to spend money i did not own. A lot of people can relate to my story. Depression, anger, low self-esteem. These are just a few result of being owned by the credit card companies. I am not alone on this and i am sure a lot of people can relate to my experience. Please help me!

I am giving a lot of courage to ask strangers to help me, give me a second change. Help me get out of this cycle, help me get out of debt. Please consider sparing a change. A little donation goes a long way.... Thank you!

Make a pledge, please go to http://www.givehut.com/pages/familyguy.php

Or thru Paypal, make a pedge and donate to: FAMILYGUY5020@YAHOO.COM

     Hello,  my  name  is  Latranay.  I'm  a  single  mother  of  one,  and  I  have  put  myself  in  a  credit  card  bind.  I  am  a  full time  college  student  and  also  work  two  part time  jobs.  I  currently  have  a credit  card bill  of  600.00  that  im struggling  to  pay  right  now. 

  I  am  begging  for  some  help  with  this  bill  thank  you.

I am 37 and working 40++ hours a week and still can't make it!!! Please help anything will be appreciated. Between student loans and credit cards are keeping me in a ruuuttt. I just want a little financial peace on this earth!! I am not a couch potato I work really hard and just need help. When back on my feet I will in return help someone in need as well.

Sincerly yours