I am finishing up a long divorce/custody battle. I am taking care of 2 kids about 70%+ of the time and have had a lot of unexpected and expenses come up. My Ex has wiped out all savings and completely trashed credit prior to filing for divorce.
I am a proud man and do not like to ask for help. The children’s mother doesnt help with the bills or anything and is pretty much a pain in my @$$. The mother makes more than I do and lives with her parents now. She contributes nothing but headaches. Finally I am to the point of borrowing from payday loan shops to pay expenses and cannot get a head. I let my car that I love go back and got a beater to get around in and have cut out any extra expenses in an attempt to save money.
I have a wonderful friend/girlfriend that I have been with for over a year. She has a lot of money and no expenses (Company provides housing and expenses for her). She is always offering to loan or give me money but I am too proud to take financial help from her. She is an immigrant from Russia and has work and sacrificed for what she has.
There is a light at the end of the tunnel in the next 2-3 months (divorce has been going on for over a year and a half) and I will soon be able to breath again. I need about $2000.00 and can afford about $500 per month payments.
so the question is should I borrow the money from her to get away from these loan sharks and back on my feet? why and on what terms?
I should also add. This is a woman I do intend to spend my life with. Dispite being burned so badly by the first marriage. Before our boyfriend/girlfriend relationship we were and still are best of friends.
Also…we are in our early 30′s
Where to begin. I have a job, it’s been the same one for 2 1/2 years and I love it! The thing is, it pays peanuts. But it’s a field in education in Oklahoma and even if I were a teacher I would still get paid nearly nothing. My student loans and previous medical bills are starting to haunt me. All total it comes to about $60K. My husband has a job that pays better but his paychecks pay most of the bills while my check allows us to make it through the weekend after payday. I have NOTHING left over. For example, I got paid this last Friday and after paying utilities and other like bills, we are sitting on less that $30 dollars to make it till the end of May. I can’t pay the collectors, I can’t pay my student loans. They have already started garnishing my paycheck for med. bills and I got a letter earlier in the week that they are going to file a petition to garnish my student loans.
Before I get yelled at for being irresponsible, I tried working something out with the med. bill collectors and they said basically the amount I was proposing to pay was laughable (they didn’t say that…I’m paraphrasing). The government isn’t going to let me pay some crappy amount for my student loans for long. However, even if I could pay some crappy amount, I wouldn’t be able to eat. So is there any kind of option. I have no assets except for my truck that’s about to break down. My savings has been wiped. I tried to get a second job but due to the economy they aren’t working me as much as I would like.
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I am a 20 yr old college student. Due to identity theft my credit is essentially wrecked for several more years till it all comes off my credit. I have been to all the banks and credit unions to gain this loan but no one can help. Family is not able to help nor friends. I need this loan to help pay for the remaining balance of my car and rent.
I do currently work full time and am willing to pay back with interest and absolutely do not want to do payday advances . Please if anyone knows who can help let me know.
