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My 11 month old niece needs help. She is being neglected (not changed, bathed, fed, or played with- unsupervised half the time), abused (mom hits her face, pinches her, slaps her extremeties and yells at her NO for everyyything, even crying bc she is hungry). Several other family members have witnessed my sister hitting my niece & will tell social services, or placing her in dangerous or neglectful situations. Its time I call social services.

Let me first say that when she got pregnant, she was 19, and the ‘father’ was on work release from jail- my sister didnt want a baby, she wanted to ‘play house’. He hasnt spoke to her since she was 6 months preg & has since been put back in jail for a DUI. His family has been notified that the baby is his, and they have done nothing to make contact with her or the baby. Her birth certificate says "Father Uknown".

My sister has refused parenting classes from day 1. She believes colds/sickness are a result of teething, not that she doesnt dress her right or has her out till 2am at diff guys houses- and refuses to bathe or change her reguarly which results in sore/red bottom & veginal area. If SHES not hungry, neither is the baby, if SHES not cold, neither is the baby- her phrase of choice when offered help? "Shes fine". Doesnt listen to advice from family/doctors/anyone. My sister has had in EXCESS of 20 bf’s (no joke) since the baby has been home from the hospital, most who have criminal records. The baby fell off the bed when she had her at one guys house bc she wasnt watching her and got glue stitches in her forehead.

My sister/baby resides with my mom. My mom is no more emotionally or physically able to take care of an infant (shes erratic, just as absentminded, & manipulative and on SS disability)- but she likes the attention the baby gives her. I believe she would fight me for the custody of the baby even though this would NOT be in the best interest of the baby bc she would still be in the same environment.

Orginally from the time she was 6 months pregnant to the time the baby was 2 months old, my sister wanted to give me & my husband custody right when the baby was born. My mom told my sister that she would need to find another place to live then if she didnt have the baby, and since my sister wants nothing to do with working or supporting herself (hence all the bf’s she has) she retracted her offer (this is after we already went to lawyers to start the process).

My Questions:

1) When I make my report to Children & Youth & offer myself and my husand for temp custody placement what are the criteria? We currently live in a one bedroom apartment VERY SMALL…there IS a second room that we use as a living room, but does a baby need to have their OWN room? Can I split the second room into a half nursery or make it a full nursery? Do I NEED a living room?

2) Do they look at my finances? I currently have 30k debt bc of college- credit cards and perosnal loans from banks to cover my apartment/books/food etc since I moved out of MY abusive household when I was only 16 I had to put myself through college. REason we are in the small apt is bc it is RENT FREE (family owns it) & we are trying to pay off debts to get a house..My husband works full time, as do I, and we make a combined income of appx k/yr

3) Does my mom, as the babys grandma, and since the baby has lived there since she was born have MORE of a right to my niece than myself? I cannot stress enough how horrible an environment my moms house is.

ANy and all advice/input on this would be extremely helpful
Good point- Since my sister resides with my mom they would be unlikely to place her with my mom. I am going to call ChildHelp crisis hotline for PA just to be sure.

Thanks for the advice, support, we are gathering all of our facts/info now to make a report

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Ive been trying to get a personal loan to establish credit history but i have no co signer, one of my parents has no work history in the past almost 11 years and the other’s credit is just done for. My bank wont give me a car loan without a co signer or credit history (completely understandable), and they told me i should consider taking out a personal loan to establish some credit. So i said great and applied for the perosnal loan of 300 dollars and still the loan officer denied me without a co signer. Now i dont make alot of money cause until recently i was still in school, and i work fast food, ( had the chance to get many other part time jobs but i been at the restaurant since it opened and it looks good on you to show you can keep a job for a long time) but on average i make between 600-700 a month, and aside from that i been using this bank for about as long as ive had the job, if i were to lose it they know i have far more than enough money to pay off a small signature loan. So long story short, the bank says you cant get a loan without a co signer unless you have credit history, and so i say great let me establish credit history, and then the bank says you cant, not without a co signer!
So does anyone know a bank where i can take out small signature loans to establish credit, WITHOUT a co signer, simply with proof of long range employment and financial discipline?

P.S. i dont deal with lone sharks and when i get a credit card in the mail i gladly toss it in the paper shredder.

thanks!

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Hi
I have tried everywhere and i cant find a perosnal loan i know my credit is not good but i have been working on that i also have a really good job just trying to get a small perosnal loan if you have any advise please let me know thankyou so much

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Hi

I have been having a hard time finding a perosnal loan there are so many scams out there and my credit is not to good i have been working on it i do have a checking account and a good job if anyone has good luck finding a perosnal loan that is not a scam please let me know thankyou

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We are 2 months behind on everything due to a job loss. Everything happened at once! Bought the home in Nov of 06′, bought a new car in Dec of 06′, Aqquired 1 credit card for 2500 in Jan 07. Took a perosnal loan for 5k in order to visit family in Europe, Expecting a child now in Sept – LAID OFF from work in Feb 07! Depleted resources to keep up with bills and now we are emtpy! If we don’t do something soon, I fear the outcome. I do have new work starting in 2 weeks, but then there will be another 2week delay before pay rolls in. You see the porblem I’m sure. Of course we spoke to the mortgage company of course and all creditors infomred. Regardless that does not prevent negative action on their part. WE DO NOT KNOW WHAT TO DO!!!!!!

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I dont need a copy of my credit report…i need to take out a personal loan. They offer loans, personal, auto, etc.

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Im a 20 year old femal, I bring in 1400 a month and have a debt of 776 which I am paying off at 150 a month. I need a personal loan of like 5000. Please help. Thanks!!

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I have a bunch of small loans ( auto, credit cards, etc) and it’s really annoying keeping track of. Would it be a good idea to apply for a perosnal loan, payoff all my little loans and just have one bill a month instead of 5 that are due at all different times?

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