Hello, I am a 49 year old working womam. I recently have been dealing with several financial issues due some unfortunate situtaions, these issues are not related to neglect of my responsibilities. I have found that as working adults, unless you have children under the age of 18 or are responsible for a dependent adult, or 65 and over or disabled your self that there are no programs or agencies to help. It is as though you get penalized because we work eveyday. any suggestions