5000 Guardian Angels

Hi! I am here because I have no where else to turn to and I am in desperate need of a kind helping hand. I am a 31 year old divorced single mother of 2 wonderful boys. Due to my divorce my credit is in horrible shape. It wasn't until the last year in a half that I began to make decent money, up until then I was struggling to make it. I have been in the homebuilding industry for 6 years. Through hard work and determination in '06 I was promoted into a management position. The pay was more than I've ever made however the hours were horrific. I would wake up in the mornings to drop my children off at my moms and when I returned from work my kids were tucked away and fast asleep. I began to hate my job because of all the hours I had to work and the time it took away from my children. I began my search for another job in September. In November we had massive layoffs which I survived, however it made my hours that much more demanding. I received an offer with another builder towards the end of November and I accepted the position. My new job allows me to spend more time with my children which is just what I wanted. However, the pay is for much less than my previous job. Due to the timing of my resignation and the start of my new job my last paycheck with my previous job was much less and of course my first paycheck with my new job was much less and thus I found myself financially struggling. I have gotten myself into a complete bind due to some financial troubles and am deep in debt due to payday loans.

Here is what I owe

Cash Transfer Center $1526
Apple One $1427.82
Big INT $1180

Total $4133

It is a never ending trap that I have gotten myself into. I'm so stressed out and I really don't know what to do and I don't have anyone to turn to. Each paycheck is used to pay off a loan and once the loan is paid off I have no money and I have to reloan again with the payday company. It's taking its toll on me and I desperately need help. I want to begin cleaning up my credit and go back to school but I can't do any of this until I'm out of this vicious cycle I've gotten myself into and the only way to do this is to pay the loans completely off. I just don't know what else to do..........