Can someone tell me where i can get help?, i really need it as soon as possible.?

I try to do everithink right, but every time that i try and thinks looks like they just start going right, everithink goes wrong again, i try so many time to get my finances straight, and right when i'm clouse to get out of debt, something else happends and pulls me donw in to debt again!, las night I was thinking to buy a life insurance to if i die it wont be for nothink, i'm clouse to get nuts, this is stuped, i dont work for nothin else but to pay bills, and my credit stinks literary, and no back can loan me anythink, and i dont care if they don't aprove me a loan because it wont change anythink, i sitll will have a debt with a diferent name thats all, so i just dont know what to do, collections agencies are geting me crazy, my car borke down and i dont have money to fix it, my life is a mess, i hate be like this.

I actualy try all type of thinks to get aout of debt, i was so close to get out of debt when i had to go to the hospital and my debt increase By 200% and my car does not work because some idiot with no driver licence or insurance crash my car, and i do not have full cover, the car is totaly distroy, and i cant pay a lawyer because I dont have money, i can do nothink because i dont have money, everithink that is an open option for many people is looks clouse to me because i don't have money!!, I was so close to get out of debt and then i have to go to the hospital and someone crash my car and i start thinking to buy a life insurance so i can go to the next life without thinkig that my family will have this stuped debt from me.

Checkout http://www.howtoestablishgoodcredit.com/...
There are lots of articles there, related to your question, which you can find useful

Honey, believe in GOD and have faith that he's on your side. I can't count the times I thought i would be homeless or carless or broke and the FATHER always pulls me through!

There is a wonderful personal finance guy named Dave Ramsey. He has a book out called Financial Peace, and Total Money Makeover.
You need to get $1,000 in an emergency fund(work overtime- have a yardsale - just get $1000) Cut up all credit cards. List you debts smallest to largest. Work on the smallest first. As you pay them down work on the larger ones.

Being in debt is the American way!!! If you only have credit card debt or car loan, consider yourself lucky- look how many people are in debt for $100,000's because they bought a house- oh yeah, that is an asset! well anyway, it could be worse- you could think of a car as an asset!!!

Many community colleges offer life enrichment short term inexpensive classes in topics like personal finance.

First, figure out where your money is going. Write down every cent you spend in cash, writing checks, using a credit card. Do what you normally do, but I bet just having to write it down is going to make you think twice about spending money on stuff you don't need. Now make a list of "needs" and "wants" . You need to pay rent. You need to pay the electric bill and other utilities. You might "want" cable TV, but you don't "need" it. You don't "need" a cell phone. Maybe you need a phone, but you don't need to have the latest gadget phone or a cell phone and a landline or whatever.

Become conscious of what you are paying on intersest on credit cards. Even a small debt can generate a monthly interest charge that might be equal to a new pair of shoes or a nice dinner out. See what I am getting at? THINK ABOUT WHERE YOU MONEY GOES! Make conscious decisions, simplify your life, get rid of possessions you don't need anymore, resell them, etc.

Good luck.

God isn't going to fix your car if you believe in him or not. I lived homeless for 3 years as soon as I got out of high school, just think about that you will be free and alive, debt can't kill you. You just have to change your lifestyle.

Some times everyone of us has to look in the mirror and say that we are powerless over any and all situations that have occured. There is where we hand everything over to God. If you sit and listen you will get your answers. God never gives you more then he knows you can handle Hun! Take it form me. Many times in my life I have thought to myself maybe it would have been better if I was never born. But then I realized that my sons would not be here and all the Happy moments in my life would never have happened....there is always tomorrow and what happened to me to day would not repeat itself.

I have always tried to learn form my mistakes and not repeat them. That is the key...and trust that there is always a brighter day tomorrow!

Well it's great that you have a job. Can you move in with a family member or friend for less than a year? Reduce what bills you can, like cable or internet or phone. - things you DONT need to survive. eat at a soup kitchen - something free if you can. Remember it's only temporary to get back on your feet, maybe get something saved. As far as your car, even if the wreck was not your fault your insurance should pay the damages under "underinsured" or "uninsured".
I'm really sorry for you & hope your luck changes. I know where you're coming from.

That is a lot. Be proactive about your finances instead of reactive. Contact me privately and I will offer some suggestions. I've been there, too...