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|Tue, 05-06-2008 - 11:44pm|
I just don't know what to do... so I decided to post here to see if anyone has any suggestions, helpful advice ect.
Okay, so here's my story(in short)... I have been married for 5 1/2 years, we have a 14 month old, I am currently a stay a home mom and my husband is a teacher. When I was pregnant with my daughter I had to quit my job (I was a substitute teacher) because I went into pre-term labor. My daughter arrived a month early with breathing issues. She was in the NICU for 10 days and is doing GREAT now. During the time I was on bed rest and after her birth, we have become very much in debt. In addition, I started working again, but became seriously ill and had to quit my job, once again. Our bills have piled up and we have worked out some payment plans with 3 or the 4 credit cards we owe on.
So, my current worry is: I currently have a alternative student loan that just went to a collection agency. To settle with this we would have to put 50% of the amount due onto a credit card, to obtain the best settlement. However, the problem is, we have terrible credit to get another credit card and all of our credit cards are closed. If we do not pay this settlement by May 30th it will go to small claims court.
I am just beside myself... what can I do and how????
Thanks in advance for anything you can come up with.