My financial crisis started about 1 1/2 years ago when my employer at the time decided to change our health insurance. In the middle of the year we were switched to a HSA plan with a $5000 deductible. I hit my deductible in December of that year which left me with $5000 in debt on credit cards or on a loan I was forced to take out by the medical clinic to avoid collections. In August of that same year my home flooded causing $20,000 in damage. I did have some insurance and FEMA helped too, but it didn't cover the $20k in damage. It was fully finished and was where my childrens bedrooms were. My living room and upstairs became a bedroom. My garage was packed also. The next 3 months my children slept in the living room. I changed jobs this year, but am making a lot less $$, but with good insurance. My boyfriend was helping pay bills until a car accident last month. Because of the circumstances of the accident his Dr pulled his driving privileges for 3 months. He is a truck driver and holds a CDL. Unemployment is harrassing him and haven't paid anything. The accident was a medical problem not anything illegal. My son has been laid off from his job also. I believe that I will lose my house by the end of the year as it just isn't possible to pay the bills. I was a single mom at the age of 18 and have worked my hardest to give my children the best that I could give and now all of that will disappear.