I'm so sorry you are having problems. The 
holidays don't make it any easier, do they? I 
thought I would add that most companies will let 
you take a loan out against your 401K with very 
low interest. They will often garnish payments 
from your check and are usually *very* lenient 
with the timeframe of your loan. 

Best of all, since it's backed by money you have 
saved, they can't deny you. Just a thought. 
That's what I did not too long ago when the bank 
wouldn't let me have a loan because of my 
whopping student loan payments. >_< Yeah, college 
made me educated. Poor and educated...LOL!