We are completely out of money. We are $505.00 overdrawn fees to hit tomorrow. Our paychecks will go to cover fees. We have been treading water financially since October when my husband's former employer (a car dealership) decided to pay their employees only half their normal pay with no previous warning, and this is the last straw. We do not know what to do; all we have is $45 in cash.

We have nowhere else to borrow money, and we are exhausted. We need a miracle. Thanks.