Trying to work my way out of a desperate situation. Does anyone know of someone who would be willing to give a short-term (3 month) loan with a boat title for collateral? The boat is worth twice what I need to borrow.

Unfortunately my debt to income ratio is too high for the bank to do it. My mortgage payments and Christmas are riding on this.

I really don't want to sell the boat outright because the lake and fishing are the only things that make this town worthwhile for my family right now. I will sell it if I have to....just hope it doesn't come to that.

I have a very sad four year old dog who misses her old playmate. I need to find her a new friend soon. She is so depressed she rarely plays with the kids anymore.