Gez, I don't want to rain on everyone's parade... but does anyone know why Kristy is in this situation?  I'm not trying to pry or be mean, I'd just like to know before I help. I couldn't see where she said why or how she got in this situation.  All I saw was that she said it was her fault butI do think she owes some kind of explanation if she wants help.  Did she have unforeseen medical bills?  Loose her job?  Hubby loose his?  All of these are understandable and would have my full support but...    
I just saw a post where she accepted money from another YT member and still hasn't sent them what they paid for - in Nov.  I don't know - I'm really sorry, I'd be there in a second but I just don't have a good feeling about this.  I guess we've just always found another way to "earn" the money when we came up short.  We sold what we had to, or did jobs on the side for cash but never would we let it get where we were 3 months behind on our rent or house payment or owe a friend money.  How is she still using the internet?     
I'm really sorry Kristy...     
				__________________    Connie        |