my house burned to ground and i had no insurance need help.i lost everything i had in fire.

Hello,

Out of desperation for my situation I typed "I need $20,000" into Google and it showed me this page. I have no idea why I am doing this except I don't know what else to do...

I have a wife, a daughter and another baby due in October. Out of a desire to have a family where my wife can stay home and raise our children and to create a better situation for those around us, I took a well planned investment and began an importation business. A delay in shipping caused our product to arrive on the market 3 weeks after a lesser, cheaper alternative did. All deals fell through.

To cut a long story short I am now in desperation for $20,000 to relieve our financial pressure and take the crediters off our back. We are at high risk of losing our home, and I do not know how my wife and I would handle it if another thing went wrong. The past 18 months have been turmoil from car trouble, unforeseen medical expenses, employment...

I don't know what to do. As I sit here and right I have just found out the bank has began legal preceedings to take our home.

I need help from somewhere but I don't know where. I prayed a prayer out loud and said to God that I don't deserve his help but I don't know what to do. Next thing I know I am sitting here typing this. My only prayer is that this is some sort of God send. We are good people who have just had a very long string of bad luck.

 **10hours later**

I setup a site http://www.everylittlebithelps.info and already I am grateful and upifted by the support. Thank you all so much for your messsages and comments. 

My wife and I entered into a lease purchase agreement for a house on September 30, 2007. At the time we enterd into this agreement, we were required to maintain insurance on the property for dwelling and contents as a term of the agreement. The owners of the property insisted, prior to the lease signing, that we use their own agent for insurance, as he was "the only agent they trusted" and because "we have been using him for years" We agreed to this term and the owners of the home stated that they would contact the agent and "set the insurance up" for us. At the signing of our lease purchase agreement, we were provided an insurance binder from the  Insurance Agency listing Travelers Insurance Company as the insuring company and myself and my wife as the insured for property and content with the landlords listed as the mortgage holder. We provided total payment of $1229.00 for the first years insurance and enterd into an agreement to provide payment of an additional $102.42 per month in addition to our payments to escrow the next years insurance payments. On Feb. 28th, 2008 we suffered a accidental kitchen fire in the home. The fire in the home was contained to the kitchen and dining room, however, all of our contents suffered major smoke and water damage and is a loss. On Feb. 29th an adjuster from the insurance company arrived at our home and stated that he was "only here for the structure" He futher stated that he "showed no coverage for contents" I called the Insurance Agency and was told we  "have no insurance on the home" When I informed the agent that I had, in my hand, a copy of the binder signed by him saying we did, the agent changed his story to "the underwriter had the policy changed a few weeks ago" He stated that we did not "have an interest in the house" and that the underwriter "required that "the owner be insured" My family of six including children ages 13, 11, 10, and 8 today, have nothing. We are homeless as a result of this fraud.  The loss of our home and it's contents has left our family without anything and Friday (when our money for hotel rooms runs out) without even a roof over our heads or food for my family. My wife and I have god jobs but we have spent all of our savings to provide the basics for our children. I can not bear to watch them cry at night anymore. Anything would help. All we want is to feed and house our children while the attorney and insurance company fight this out and we are stuck without anything.

Our non-profit organization is in the process of obtaining some new communications equipment and we are trying to raise the funds needed to purchase some of the items that we need.  We are looking to raise a total of $5000.00 to make our purchase.

Whether you wish to help us by making a donation, maybe becoming a regular sponsors or even listing us on your websites or post, we are looking to accept all forms of support that we can get, but we also really are in great need of the funds.

You can make a donation by visiting one of our pages that we have linked to below.

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All donations made are 100% Tax Deductible as allowed by the law.  Let us thank you in advance for your help.

Hi, like many good people here I am at a loss as to how to deal with my current situation. I was forced to relocate after Hurricane Katrina. The company I worked for in New Orleans held on until April of this year but could not recover financially so I lost the main support for my three children. I was finally able to find a new job but after 5 months of searching I maxed out everything I had to keep everything covered. Now of course I have my new job but next week I face rent and several other bills coming due that I cannot pay because instead of seeking this help sooner I took out a couple of payday loans not realizing they would eat me alive. I have always helped others and now find myself in need of help. I thank you for your consideration I realize there are many many people in my same situation and pray we all find the way out. I am a hardworking person, I have worked full time since I was 17, I have actually tried several different routes as far as a loan goes however I can't get anyone to lend to me at this point because of the last few months ( no matter what interest rate I was willing to pay). Thanks again for looking, I appreciate and help or guidance you can offer.

"This registration Web site allows residents with special needs and their families, friends and associates an opportunity to provide information to emergency response agencies, so emergency responders can better plan to serve them in a disaster or other emergency"

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