<prompt> Human: I got nothing. Nothing.Losing my job in the first week of september. It really doesnt matter because it couldnt pay the bills anyway. Wife is losing her job too.My utilities are behind. My credit cards are behind. I have a loan and a car loan and a mortage. Ive already filed hardships with the credit cards and shit but its still not enoughIve tried cutting costs, living like a peasant, getting a consolidation loan. Ive used up all my 401ks and shit from previous companies.The situation is bad enough that my wife and I both feel the need to promptly jump off the nearest bridge. We are so poor now that we hate being alive. We cant even afford groceries anymore.I have a life insurance policy Im stuck paying 50 per month on. Ive had it maybe 4 years. Should I cash this in to buy some time? I have no idea what it would be worth.  <response>: We really need a statement of affairs to help you. How much is car loan? Credit cards? Mortgage payment? My first worry is your statement Ive used up all my 401ks and shit from previous companies.If you took loans on your company 401K you have 90 days to repay those loans after you leave the company. If you do not repay then you get a big tax bill. The IRS is a big problem. 