See if your area has a consumer credit counseling agency- make sure it is a non-profit, or otherwise, they are just as seedy as credit lenders.

I posted this over a year ago, and was astonished to find it's still on the front page of this tribe. I guess this tribe hasn't had a whole lot of new posts this past year, eh?

Anyway, maybe it'll come in handy to help your situation.

* * * * * * * * * * * * * * * * * *

A simple spell for prosperity:

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Goddess above, protector of witches,
Giver of love, grant us your riches.

Earth below, your bounty dispense,
Grant us now our due affluence.

Air that traverses plains and ravines,
We beseech you now; provide us the means.

Water whose strength and purity blesses,
Guarantee all our endeavors successes.

Fire; come forth to complete these quartettes,
We invoke you now to secure our assets.

God of the hunt, see us with clarity,
Guide our hands now into prosperity.

So mote it be!