Please help!! I'm not sure how it got to be this bad but I am getting close to losing my car & my house. I am a full-time nursing student, mother of a 9 yr old boy, and I work 2 jobs to try and make ends meet...but that just doesn't seem to be enough. When I am in school I can barely work and for a while I was living on my credit cards. Those are now all maxed out and no matter how hard I work I can't seem to climb out from under the debt. I have collection agencies calling me all day every day and none are satisfied with the little amount of money that I can offer them and now I have repo people calling to tell me they are coming to get my vehicle. If that happens I won't be able to work & will truly lose everything I have worked so hard to do for my little boy! I am in debt for about 12,000. I don't expect anyone to hand me that much money, but every little bit would be of great help!