Hello, my name is Karla. I have a son that is 13 his name is Cile.  I am a person who has gone to the lengths of having 3 jobs at one time to take care of my son. His father walked out when he was 1 and it has been us surviving against the world since then.

I have a full time job now, but it just seems like things are mounting against us.  Within the last 3 months we have lost our hot water heater, air conditioner (previous due to a flood that insurance would not cover), our vehicle has needed repairs (along with the transmission going out), and within the last week we have recieved a letter stating that his Healthwave insurance is going to be cancelled (waiting to hear back why), we are no longer going to be recieving food assistance (I make above the poverty level by about 20 dollars) and it feels as if the world is crashing around me.

Last year we were able to purchase a home, things were good then.  Last September I was let go from my job. I had to be placed on a payment arrangement and some other bills had to be put aside just for us to survive on the 348 dollars a month Child support. I was able to find a job in about a month and a half, but things had went downhill during that time.  I am still trying (with realitively no sucess) to get caught up.

I spoke to the Kansas Credit Counseling Service to see if they would be able to assist me. They said either they would need a payment of over 300 a month,  I needed to refinance my home or I needed to file Chapter 13 bankruptcy. I am unable to make the payment,  I found out yesterday I am unable to refinance because of the bills I was hoping to pay by refiancing so now I am faced with attempting to file Chap 13.  They did however recommend either having a family/friend cosign a loan for over 5000 or borrow the money from someone. Neither of these are an option.

I am a single mom, trying to make the best of things. I am at a loss of what to do and I have to figure out how to stop this downward spiral.  If anyone could help it would be so greatly appreciated.  My son and my home are the two most important things in my life.  I have prayed for guidance, I have prayed for help. I truly hope it will come soon. I so firmly believe in Karma, what comes around goes around. When I am in the posistion to help someone I do. I just hope perhaps in my time of need I can find those able to help me. Please help me.

I am a loving caring mother, daughter and friend.  I try to show my son that it is how you treat people that matters.  In 30 years no one will remember what you wore but they will remember how you made the feel.  I am doing my best, I have been independant for a very long time, but there sometimes comes a moment when you have to ask for help.  I need help, I have tried to do so much for my son and I.  We live on bare minimums, but it seems like life is throwing us some curveballs and I dont know how I can get things taken care of. I plan on going back to college once I get my past student loans taken care of ( they are included in the 5000 dollars of debt).  I have been told it is not that bad, but then again, there are times where if I have $0.50 I feel rich.

I would love to be able to get a second job to help, but at this moment I never know when I will be leaving work and even then I help take care of my mother and my father. My mother has been disabled for 4 years and my father had a stroke 2 years ago. It has been a hard road watching them, they want to know I will be ok. I only hope someday they can be at peace knowing I am.