i need a loan bad can you help

i’ve spent the last 2 years tryin to get myself out. and i just keep getting deeper…now it’s down to the wire.
i’m about to lose it all, and i have a kid on the way. this totaly bites.
i want to be able to provide but i’m 60 grande in the whole.
(from bad decisions, crime and punishment, loss, low income, and poverty)
i didn’t get credit cards, i thought that would just make my life worse, stuck in some government institution, i didn’t know that my life would depend on how many creditors i owed.
and now i realize that you can get debt eather way.

but now i’m just tired and nothing i do is working, i have a good job, but it can’t pay the debt.

on the 30th i lose the house i rent. today is the 20th. in 4 days the loan my mom cosigned on to fix my brittle teeth is going to collections. and will ruin both hers and my dads perfect credit.
my credit score is 484.
and i have more stuff in collections then there are collection agencies.
in the past i would have stolen the money i need. and sometimes i get real close to flipping back that page.
but i resist.
i have nothing really at all to show for in my life. and it’s a shame becouse i have such awesome dreams, and easily reachable goals that could take me off into an awesome future of american dreams (that’s an understatement)
ladies and gentlemen
my name is david kubala
and i’m your typical, broken home, suicidle, depressed, underachiever, turned criminal, headed for ruin and despair kind of guy.
except, the last time i was in prison i decided that was not my story,
i decided my parents couldn’t be blamed anymore, for what they didn’t know, they were just little kids. they didn’t have a clue how to raise a child. but at least i conciously know right from wrong, and am some what intelligent.
i never asked for help my entire life.
i depended on myself and did my best to turn down the help offered by my family.
now when i need it they are not there, or just to broke themselves.
i know there are people out there worse off then me, victims of mother nature and mans refusial to see straight.

  so i'm not asking for a hand out.

i’m asking for a loan.
and i needed it yesterday.
i know how many people on this planet have the means.
people with or with out heart, those that care or don’t.
i’m apealing to all of you.
i need a loan.
$60,000.00 to be exact. i need 15,000.00 of that right now.
so i can pay my rent and dental bill before it’s to late.
the rest you don’t even have to send money or cut a check for if you think i just want the money to do something stupid.
i’ll just send your every bill and colltions notice and court bill i have and you can pay them. and i’ll make payments on that amount.
60 thousand is just a rough estiment.
i have a job,
i gross 1800 a month before taxes, so make the instalments low enough for me to pay.
i don’t know why anyone would want help me. i can’t answer that.
but i know everyone who wants it, really wants it, allways deserves a chance .
i just want to provide for the family i’m about to create.
get my head out of my ass, and be the man i know i can be.
i would do it myself, but i’ve tried the whole pay some of it off and hope the rest of them will be kind enough to wait till the next big break.

so please if you or someone you know can help me in anyway, well you know.

thank you if you atleast read this whole thing, it says somthing about you that most people don’t undertand.

David,
Have you talked with anyone about debt counseling or BK? I can provide you with a free copy of your credit report and some tips for working with your creditors. That should help you get started in the right direction.

Feel free to contact me by e-mail.

Regards,
Pat Lawson

Pat is right.

Based on what you posted you are quickly approaching the point of no return.

You may be to far in to look at Debt Counseling, but, it is worth the try. This will give you a brief reprieve from collectors and will allow you to budget your funds a little better.

Dear David,

Where do you live? Maybe someone from this site who is from your area can guide you in finding local services. There is always a solution.

I am a Christian, no matter what your beliefs, I will pray for you and your family. Let us know where you are.

B-

i live in brier washington, just southeast of lynnwood
98036 zip code

David,

 I understand your position.  I have lost everything before and am just now coming out on the other side.  There is no easy solution.  It took years to get where you are and you cannot get out over night.  The problem exists in the way you view money.  You have acrued debt in order to acquire liabilities and now you are asking for more debt to consolidate your liabilities.  Until you change the way you view money, you cannot change your situation.  Your focus seems to be entirely on your liability column.  If you want to get out of your current situation and stay out, you must change your focus from liabilities to assets.  I hate to say this, but your parents must accept responsibilty for co-signing a loan.  THEY made themselves liable, albeit with good intentions.  Your primary responsibility is to God, then your wife, then your children, and finally to everyone else.  A lack of proper priorities has created a desperate situation.  Correct it quickly, or life will continue to throw you the same lesson until you get it right.  Find a way to CREATE assets (things that pay you each month) and whatever you do, DO NOT FEEL SORRY FOR YOURSELF!!!  You CAN get through this but it will NOT be easy.  What you need is not more bad debt;  what you need is a financial mentor who will show you how to get out of the hole you are in.  Find someone who is where you want to be and ask them to show you how they got to where they are.  I know there is little comfort in my words.  Remember, the darkest hour is always before the dawn.  Keep your head up!!!

Michael

P.S. I am praying as well.