What to Do? - Park Forest,IL

Hi,

I lost everything with terrible credit and bankruptcy. I moved, there are people out there that rent to you with credit problems. Currently I live in a nice area in a beautiful hugh apartment (3 bdrms, hugh kitchen, living rm, dining rm, and basement for $900.00 pm.)

After I moved, I budgeted, reduced certain bills and picked-up employment from home as well as outside. I'm o.k. enough to have my head on straight instead of spinning.

I am a Paralegal, I will assist you with what ever resources are available to me. Also, I am not selling you anything, whatever assistance I am able to provide to you is, out of the kindness of my heart. I am giving back as someone did the same for me.

Please contact me directly, ____@____.com or ###-###-####.

Good Luck.

Sincerely,

Divorced Mom of 3.

I am in the same situation, except my husband has a new job that he's had for about 9 months but we are still living with my in laws because we can't afford to rent somewhere with bills either. We just make due, we try to help around the house when needed and if you want to be alone you could just go to your room. As for moving I can not help there. Maybe the county has some community development program that helps people in need like yuourself. Good luck.

Do your best to keep it together. You say you are trying to get back on your feet...that's a step in the right direction! This is ONLY a season in your life and as all seasons, it will pass. Get out and walk and exercise and keep your mind and body healthy. If you can get a part time job or take a class or free seminar at your local library, do it. If you really feel depressed, please talk to a doctor about this. Good luck.

I'm sorry to hear about your situation. We have been going thru a tough financial situation too. God has a purpose in everything, sometime he brings us through hard times to bring us closer to him. He's been a source of comfort and has given us the strength we've needed to get through every day. The best advice I have is to get into his Word and he will give you a peace that surpasses all understanding, no matter what your situation.

If you or your husband have a job now you can find a place. It may take some effort but you can rent. Look for individual landlords rather than places that are corporate owned. Talk to the owner about your situation. Even write down and list the circumstances that landed you to be financially strapped. You will find some sympathetic souls out there...

Also, get some kind of support--even just someone you can vent to! Just venting can help a great amount! Hoping your circumstances change! From someone who has been there...

Hi J.-

We have a house in Elgin that we are trying to sell OR rent. I understand your credit is not good due to your husband being laid off, but we might be able to work with you. Let me know if you might be interested...if so, then we can talk more details. Sounds as if your husband is working again???

I hated staying with my inlaws too... I was with them for 3 years. Every minute stunk! I bit my tongue everytime I was in their house. I hated it! You have to remember it is their house though. They are the only ones helping you right now, so you have to suck it up. Try getting out as much as possible. You'll get back on your feet soon! Save up as much as you can while you are there! I remember sleeping in my car many times after work just so I wouldn't have to walk through their front door! Good luck!

Wow J. I am so sorry to hear of your troubles. I can relate...hubby was laid off X-mas of 2006 (Merry X-Mas!!). We are about to loose everything...our house, credit etc., but it actually opened new doors for us. I do not know what field your husband in, but mine was IT, and he hated it anyways, couldn't find a job to pat him what he was making anyhow, and decided to get a trade instead, and after his apprenticship is over he wil make at least double what he was making at his old job, and that is w/out over time...maybe that is an option for hubby?? It was a paycut initially for us, but he got a raise this year and it is actually paying a dollar more an hour now than he made at his old job. And will can continue to get raises every year. Anyhow, that being said, maybe there are some other options for you guys out there as well.

I understand feeling like I looser I know I certainly have this past year or so now, but sometimes bad stuff just happens to good people. I felt like I couldn't help my family, or if I found a job it would be eaten up in daycare costs, so what's the poitn, etc. We did nothing wrong, his company closed there branch only to keep the California office open so they could line the Fat Caats pockets...bottom line. Offered him a job out there for 5 grand less a year than he was making...in California!!! No thanks!!! They just offered people jobs to ease their conscience. Anyway, like I said, sometimes things just happen.

Maybe your inlaws can co sign on an apt. for you all, or help with daycare costs? I am so sorry you are in this situatiion, please know your family is my thoughts, and know you are not alone in this, a lot of us out there are in similiar situations. one way or the other I have to beleive it will work out..maybe not exactly how we would have liked, but it will work out. My kids are healthy, I am healthy as is my hubby, and honestly when it comes down to it that is what matters. You are a survivor and you are doing what you have to right now to survive. At least you have the option of staying with your in laws, humbling though it may be. I honsetly think though that it is at some of hardest moments in life that we get to see what we are made of mentally,physically and spiritually. How can we appreciate the good in life if we have nothing bad to compare it to. HUmble pie may be hard to swallow, but it is a survival technique that some people don't even have the option of (at least this is what I have to tell myself to make myself feel better, beleive me I have eaten more humble pie than I care to this past year to survive). Don't let oyur pride define who you are as a person, do what you have to do. Hope this helps. Hang in there

I feel for you and your family. I don't know what you are doing to try to get money, but I am assuming you and your husband are both working. The sooner you can get some money, the sooner you can get into a better living situation. Do you have kids? If so, see if your in-laws will watch the kids so you can both work and not have to pay for childcare. Then, what I would do, is scour the web for budgeting tools and how to get your credit score higher. If you don't have a computer at home, go to the library. Finally, I would try to not be at your in-laws house as much as possible. Since it depresses you, try to do other things in your spare time. Now that the weather is nice, go to some parks. If you don't have kids, still go and walk the walking trails. Go to the library. Sometimes libraries offer free classes on financial stuff, so see if your library offers this. Some park districts offer financial classes as well. You may have to pay, but maybe you can talk to your park district office and see if you can get a break. Even if you do have to pay, it may be a worthwhile class to attend and maybe they have someone teaching it who can help you with budgeting and getting your credit score back on track. Finally, when you do have enough money to possibly rent, there may be someone who is willing to let you rent even though you have a low credit score. Check out craigslist.com or the classified ads. Sometimes some people have extra space in their house they want to rent out and would be willing to give you a chance at a new start in life. Good luck!

I know how you are feeling. My husband lost his job 2 weeks after our baby was born. He was out of work for 7 months and it took a huge toll on us. We were lucky to have a savingsm but that is just about empty. We paid the mortage with unemployment but that what is it. He used to travel and made really good money now he does the same work but form an office no more traveling so less pay. Although its nice to have him home ( we have two boys 7 yrs and 6 yrs and a baby girl 2 yrs) it hurts everyday. We had to file bankruptsy, but we still just get by. I work part time at Target at night after he gets home, because daycare is too much. I thank GOD for my mom and gram everyday, they helped us out so much. My husband is proud to even tell his family how much tropuble we were in adn still are in. They live in Denver. To this day my father in law had no idea. I told my sister in law everything with out my husband knowing.

They say your life can start fresh and better after bankruptsy. You get a fresh start. Liek I said we were lucky to keep the house and car, but that is all we have. I hate saying no to the kids sometimes, but you have to.

There are so many resources that you need to use. My husband again was too proud to go for help, until I told if we dont we will lose everything. We got food stamps, I went on WIC for the baby,they have help for utility bills, health insurance. If you any information email me I will be happy to help you out. ____@____.com Bankrupsty saved us and so did the resources.

I am looking for work to do from home, if anyone knows of anything please let me know. I love staying home with kids. I am great on the computer and like data entry.

C.

J.,

I truly understand and been in your position, email me @ ____@____.com is GOOD!

M.