2014 sucks, can I have a refund?

Well, five days into the new year, and its turning into crap already.

I got a notice in the mail Friday about the accident I had last year saying I owe just under $ 2,500. As I have no coverage for that accident, I am on the hook for all of it, and so Monday I will have to go to my bank and see if I get a loan. Trouble is, I live so close to the edge money-wise, I dont know how I am going to pay it back ...

Ah, well.