I AM A STAY AT HOME WIFE AND MOTHER TO THREE CHILDRENIN NEED OF HELP AND OR ADVICE. THIS YEAR OUR INCOME TAX RETURN OF OVER $9000 WAS INTERCEPTED FOR PAST STUDENT LOANS OF MY HUSBANDS. WE HAD NO CLUE OF THIS UNTIL WE RECIEVED A LETTER IN THE MAIL SAYING OUR MONEY WAS TAKEN. I KNOW THE PAYMENT WAS DUE TO THEM, BUT WE RELY ON OUR TAX REFUNDS TO HELP THROUGH THE WHOLE YEAR. THIS HAS CREATED A DOWNWARD SPIRAL IN OUR LIVES. WE WERE EVICTED FROM OUR TOWNHOME AND HAD A FAMILY FRIEND OFFER US THEIR MOBILE HOME TO RENT. NOT THE PRIME SPOT, BUT AFFORDABLE. EVEN STILL WE HAD TO DO MUCH RENOVATING BEFORE IT BEING LIVABLE. BEFORE DOING THIS, WE HAD TO TAKE A CAR TITLE LOAN OUT ON OUR ONLY VEHICLE, WITH THE PROMISE OF ALL PYMTS BEING DUE ON TIME. WE ARE NOW 3 MONTHS BEHIND. I AM SO SCARED OF WALKING OUT ONE MORNING AND OUR CAR BEING GONE. I HAVE HAD BANK ACCTS CHARGED OFF, CHECKS BOUNCE, YOU NAME IT. THE FUEL PUMP ON PUR VEHICLE WENT OUT WHICH ENDED UP COSTING OVER $600 TO FIX. WE ARE BEHIND $1000 ON OUR DAUGHTERS BRACES PYMTS WHICH ALSO SCARES ME. HOW DO YOU EXPLAIN TO YOUR CHILD THAT THEIR BRACES WILL HAVE TO BE TAKEN OFF A YEAR EARLY DUE TO LACK OF MONEY? WE ARE AT THE END OF OUR ROPE. MY HUSBAND WAS LAID OFF, BUT IS NOW WORKING AGAIN, BUT NO PAYCHECKS YET. NOT TIL THE END OF THIS WEEK. NOT SURE HOW GAS WILL BE PUT IN THE CAR THAT I HOPE IS STILL OUTSIDE WHEN I WAKE IN THE MORNING. WE WERE ABLE TO GET A ONE TIME CHECK FROM OUR STATES DEPT OF HUMAN SERVICES, WHICH WAS AWESOME EXCEPT THAT ALMOST ALL OF IT WENT TO THE CAR REPAIRS. WILL SOMEONE PLEASE GIVE ME SOME ADVICE ON WHAT OPTIONS WE MIGHT HAVE? WE ARE CONSIDERING BANKRUPTCY, BUT THAT WILL BE THE LAST STRAW. I KNOW THAT WE ARE NOT THE ONLY ONES STRUGGLING, BUT JUST PLEASE ADD US TO THE LIST OF OTHERS YOU MIGHT HAVE HELPED......SINCERELY, AMBER WARR.............FINANCIAL
