I am embarrassed to even do this but I thought I would at least try. I am in a financial bind, negative in the bank, due to financial emergencies (hot water heater replacement and vet bills) and paying for college out of pocket, and now both house and car payments behind and other utilities in danger of cut off. I have no idea how I’m going to make ends meet, at this point my next paycheck is half gone because of being negative in the bank. Please, please, please any help would be so appreciated. Thank you in advance.