<prompt> Human: I need help. If you knew me, youd know that thats a saying that youd never hear me say. Ive got too much pride, Im ashamed and embarrassed, and Im always the one with the smile on my face- even when Im crying on the inside.Ive tried to research and google other situations similar to mine, but none of what I find seems to help me. So, Im turning to reddit. Its much cheaper than a therapist or financial advisor!My current situation: Im 24, with a 3 week old baby, and no money saved up. Every night before going to bed, I stress out about my financial situation. I have a decent job, but right now Im on maternity leave. And because FMLA requires that you be at your job for at least a year which I havent been for a paid leave, my maternity leave is unpaid. So theres that. My phone bill is beyond overdue. I owe like 1000 on it. The problem with this issue, is its in my dads name. My phone is on my Dads plan, along with my sisters phone. He opened up a Sprint account for her shes a minor and when me and my ex broke up, I joined his plan to get off my ex boyfriends plan. Long story short, I fell behind on my half of the payments and my dad just being forgetful didnt pay his half all the time either. He paid his portion way more than I did though, but paying only a portion every month still creates a past due balance. I panicked, and started using my checking account to make the payments. But because my checking account has less than 20 in it, it kept bouncing. The only way I could keep my phone on is by using the Bill Pay feature that my bank offers. So, I keep sending payments to Sprint, and my bank keeps rejecting them, and I keep getting hit with fees, and so on. But now Sprints restricting my services because of how often the payments are getting returned. As they rightfully should. But because of me and my asshole mistakes, my poor little sister has to suffer with no phone... and Im ruining my Dads credit. The stress of this whole situation is eating me alive. The worst part... I keep telling my dad that everythings good. He has no idea of how Im making the payments and why the account is off. Of course, I havent been asking him for payments at all because I dont want his money going down the drain. That wouldnt be fair to him either. Because of having no funds, Im also driving around a car without insurance. Lucky me. My insurance company cancelled my policy due to a nonpayment. When I do go back to work and get money for insurance, the fines for not having coverage is going to be ridiculous. Not to mention, I have a car with a salvaged title... so finding insurance is going to be difficult to begin with.I owe money on my credit card. The balance is under 300, but still- thats a lot when I have nothing. I have less than 20 in my bank account, and that needs to be saved for formula andor diapers for my little one. Thank god were stocked up on that stuff for now. We have like no groceries in the house. So Ive been eating noodles. Yum. My credit is HORRIBLE! Ive got a huge 4000 Verizon bill in collections, along with a 3000 student loan and medical bills. The Verizon bill is partially my exs fault, but thats an entire different story and the story is moot. Point is, its ruining MY credit. So with such a terrible credit score, I cant get a loan to consolidate my debt. I cant get a credit card, or a credit increase on my current restricted card. I cant get a new phone service in my own name. I wanted to switch phone companies, and cover my sisters phone and pay off the Sprint account- since its my fault its so behind. But I cant even do that without needing to pay 300 upfront per phone! So I dont know how to fix my credit either. I cant turn to my family for help. My dad is strict and very one track minded. Hes set in his old fashioned ways and hes VERY judge mental. Hell kill me if he ever finds this out. Any of it. Yeah, Im 24 years old, out on my own with my own family BUT my dad has always put so much pressure on me to do good in life. Hes always been hard on us. He doesnt understand anxiety and depression. And I cant bring myself to let him down, again. I still heavily depend on my Dads approval, and I care very much about his and everyone elses opinion of me. x200B;I dont go back to work until the end of November. I wont have a paycheck until beginning of December. Thats still 2 months away from now. I need to know how to get out of my rut. x200B;Im so stuck, its not even funny. I feel like this blogpost is all over the place. Someone help me, give me some guidance, advice, anything. How do I get myself out of this situation? When will things finally be okay? Its hard for me to dig myself out of the financial hole that Im in, when I dont have income coming in at the moment. In time, I will, but for right now... Im just stuck. And its draining me. x200B;x200B;x200B;x200B;  <response>: 1. FMLA doesnt provide paid maternity leave.2. What ever you are doing with this Bill Pay, stop. It makes no sense trying to pay for something that you literally dont have the money for. Given the totals on your Verizon and Sprint bills, you need to cancel and just do prepaid.3. You need to look into applying for various welfare programs to, at the very least, keep you and your baby fed.4. Where is the father in this? Is he paying child support? 