Help I am in huge debt with credit cards and loans
Hi: I have been getting every 1/2 hour, Monday to Saturday phone calls from collection agencies. Previously I had worked a few ways to pay them back. But since October I have no job and my husband left me with 2 kids. He's helping with the bills but I have nothing left for me.
Back in May 2009, and after 6 years I closed a health food store business. Knowing that my husband and I weren't getting along I did not want him to find out I took a loan under my name.
BIG MISTAKE, the money was for the business 100% and I ended up closing it, because of the bad economy and the total sales drop. I had no choice but leave as soon as it got worse, but the damage was done already.
I found a job for 9 months, but I got laid off. That was the only resource where to get my payments done. I don't know what to even tell this people. I run out of money. I am going thru a hard time in my life (not including relatives suffering from cancer) It's though. Is there any law in NJ that could help me in any way. I'm willing to get back any pennies I owe, I just run out of way out. Please HELP ME.