Hello my name is Pam.  On Sept 10 of last year I lost the single most important person in my life.  I lost my mother to kidney cancer.  For the last 7 months my deaf sister and I have been struggling to pay the bills here at home.  As you can imagine, we went from a 3 income just barely making ends meet, to a 2 income home where the ends can't even see each other.  My sister and myself both work out of town, so when you factor in the ever rising cost of gas, we have found ourselves in a financial quagmire.  My mother left no will, no life insurance, and a $ monthly mortgage.  Before she died we were already in financial trouble due to having to pay for her chemo infusion.  Our utilities (gas, power, etc, even the garbage fee) are way behind.  My sister and myself both have vehicles to pay for as well as insurance (mine lapsed in Jan. to be honest), gas, etc.  I have tried getting a loan through the "conventional" means but due to mistakes when I was younger, prettier, and incredibly stupid I have hit nothing but a brick wall.  I am praying and begging for someone to tell me what I can do to at least catch up. I am also willing to email or fax a copy of our bills (especially the power and gas bill), and a copy of my paystub to prove the validity of our situation to anyone kind enough to take a look to see about help.  Any assistance would be GREATLY appreciated.  Thank you and God bless.