Hi everyone my name is Laura. Here is my story...

 It's kind of hard to type out what I have been through these past three years and I am ashamed of how my life has been and I am desperate to get it back on track and start working towards my future and get this massive pile of debt out of my life. I got myself into very bad debt with the help of my family and have more than a dozen blemishes on my credit. I can't even get a bank account opened right now, and to avoid bankruptsy I have tried looking into debt consolidation websites to offer me assistance but none would accept any of my applications. I am too young to be in this much over my head and I am desperate for help.

I lived with my parents until I was 21, they moved out of state and I decided to stay here so I found a roomate online to live with. I came from a broken home, the oldest of 6 children and have gone through alot during my parents divorce and social services at my home constantly. I felt that this move was a blessing in disguise so I wanted to stay. I used to live with a roomate who had kicked me out due to not being able to pay rent since my job had cut my hours. My car got reposessed because my parents who live out of state told me they would help support and take over my payment temporarily until I get back on track. Knowing that my family members are not the most reliable people, I thought that maybe this time they really wanted to help and I had no other choice to trust them becuase I did not have the funds to pay my monthly car payment. After making this decision a couple months later I wake up to my car alarm going off and it being on a tow truck- my car had gotten repossesed and there was no way I would have ever gotten the money to get it from the inpound.

 I owe my bank $2,000 dollars, the DMV $300, my student loan is $1500 and Im so afraid of it not being paid off, they have threatened me that if i do not start making payments I may not ever be able to take out another student loan again. That would break my heart especially since I would love to go back to school, but due to not making enough money and having no family to support me, I am on my own with my debt until it's paid off. I am also without transportation, and need a car in order to get to a job. Although I had let my manager at work know my situation, I have lost my job since my car got taken away with no way to work which was 15 miles away, and way too much money for a cab ride and no where near a train station. I am able to have a next available position as long as I have transportation. I also owe money the hospital money, $1340. I had to be hospitalized and have no health insurance.

I have no one else to turn to and I am desperate to get out of debt which has litterally been making me lose sleep and wonder how this will effect my future. I am a bright girl with great potential who doesn't ask for much in life. it's the little things that count. I am just concerned that with this debt over my head I will never be able to go back to school, get another job, or be able to live the american dream by owning a house someday.

If there is anyone out there that is willing to help me out, please email me at blinkberry57@yahoo.com