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Iam a displaced worker that lost my job a year ago.  I was able to find contractor employment, but does not make up for what I have lost.  Iam behind in some of my debts and am in need of finding an individual(s) that will be willing to help me.  Iam in the situation that I can pay payments per month and am willing to enter in a legal contract to set up repayment plan.  I have applied through normal banking channels, but with the current world situation they are not lending money.  I do have equity in my home to hold as collateral.  Please let me know you can help me in any way.  Thank you if you can help!

UPDATE:::I cannot believe that there isnt anyone out there who would care enough to help another individual of need.  When I did have money, I did lend helping hands to others that need it.  I helped families that had children to have a pleasant Christmas and purchased food when agencies would not bother to lend a hand. I helped people to keep their utilities on. I feel that when I helped others and if I found myself in those shoes there would individuals just like I used to be out there to help me.  Isnt there anyone out there that can help me?????? Iam an American that is working to try to get ends meet and not an individual that is laying around the house.

I need serious help..i work full time have always had a job but made some bad decisions when i was younger and now my credit is so messed up and cant afford my bills..always overdrawing my bank account cant purchase a house im 23 and all my friends are buying homes...and me and my wife cant afford to do anything i caouldnt even take her to eat for her birthday..this life sucks and the stress it is putting on our new marriage is horrible..i know there are a lot of ppl struggling out there but i was just curious to see if i could recieve some help..i live in ohio..i have like $13,000 in cc debt...a 6,000 dollar personal loan that is now in collections i just dont know what to do...HELP ME PLEASE!!!!