Where to turn when you're financially desperate

Every day, people fall off the bottom rung of the economic ladder. They lose their jobs or their homes, or both, and have too little savings to cushion the blow.

Lately, though, it seems more people tumbling off the ladder are those who've never needed help before. Food banks and housing counselors report an influx of formerly middle-class and even upper-middle-class people who have little idea of what resources may be available to them.

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