Does anyone know where you can get financial help, unsecured with fair credit?
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Start with your son. I know it is difficult, but it's time to sit down and explain, in detail, your situation.
Tennessee has many consumer credit counseling agencies. Shop for one you are comfortable with. A good agency will help you establish a spending plan and work to resolve your negative Cash flow. If you are a member of a bank/credit union -seek out their assistance in working out a plan.
Be careful about acquiring more debt, often that will dig a larger hole.
It is in the best interest for your creditors to assist you in resolving your debt...use this to your advantage. It will take a lot a tact, but you may be able to work out a plan to eliminate your negative cash flow.
Liquidate what you can afford to liquidate, so you can catch up your payments. Depending on your situation, the best answer may be to not use that money to pay off the debt; but instead, use that cash as an emergency fund.
Yahoo Finance has a wonderful personal finance section that will assist your learning.
Taking the easy route now will probably not solve your problems long term. Use this opportunity now to ask the tough questions.
Best of luck!
When you have
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