In over My Head!

I used to work for a NON FOR PROFIT (this is key) that housed a Consumer Credit Counseling Service (CCCS) and they have locations in a number of places (and the ability to submit application online which is nice if you are a little nervous). THEY (after going over your income, bills, etc.) with you will work with you creditors for lower rates, a consolidated payment and help you establish a budget (considering your own personal job, situation) if needed. After living through my (soon to be ex) husband being out of work for 18 months, doing a refi and own movement of credit to lower rates etc. and that STILL not always being enough, I empathize. As a strong single Mommmy (which it sounds like you are), sometimes asking for help is hard but can REALLY help.
LIHEAP (at least back then) helped families struggling with heating costs during the winter too. Might be worth looking into.
Good luck.

I've worked several commission only jobs. It's a hard way to make a living. You never know how much you're going to be bringing home. I applaud you for even trying with a daughter at home. Is there any way you can pick up a job that pays on a more regular basisj? Personally, I think that would take a lot of stress of your mind. My only concern is What happens if you DON'T make any money after the holidays? There are organizations that will help you pay your bills in times of need. Good luck to you!

not sure what to tell you other then good luck but wanted to let you know that I was a telemarketer while pregnant with my daughter so I understand the 'stain' you deal with from ppl & the way they look at you. I applaud you for working & doing your best even when not easy.

I two items of advice for you: 2) Call United Way, just dial 2-1-1 and they have connections to all types of non-profits that help people in your situation. 1) Have faith. God has never let me down in times of need and he won't let you down either. Just pray about it, "Lord, right now I need you to be my strength. I am struggling with my finances and I know that you will make everything work out." And that's it! Leave it up to Him and try not to worry. His plan for your life has already been written. He knows what will happen next, you just to believe with all of your faith, that He will be there for you and your family.

God Bless

I would suggest calling your local Housing Authority for your county. They are in charge of energy assistance programs and would be able to refer you to a foreclosure prevention program in your area. Whoever does the foreclosure prevention should be able to counsel you regarding bankruptcy or consolidations (and they are affiliated with county so reliable).

Know that you cannot lose your utilities with a child in the home during the winter months if it is freezing out. You can also call the utility companies to state this if needed!!

Also, your local chapter of Salvation Army should have all of these referrals plus maybe a few others. Always a good start!