FORT MYERS, Fla. - She should be getting a nursery ready for a new baby due Christmas Eve. Instead she's in the Charlotte County jail.

Kristina Schrock's year hasn't gone well.

"I lost my business. Last year my fiance lost his business," said the expectant mother.

She's also homeless. Mostly because of a warrant for her arrest for an unpaid traffic ticket from April.

"We have an eviction from 3 years ago. Our credit's not that great , but especially with the warrant nobody's renting to us," said Kristina whose baby is due December 24th.

Kristina says she couldn't afford the $400 fine for not having tags on her car, so she tried to work out a payment plan with Charlotte County.

The county agreed to give Kristina 60 days to pay.

Kristina couldn't come-up with the money.

"It's very aggravating," says Kristina about the process, "It's very very frustrating."

The county says despite attempts to work with Kristina, she never paid the fine.

Now with the original fine, late payments, and court costs, she owes more than $1500.

The county issued the warrant for her arrest.

Still unable to pay, Kristina turned herself in.

"There's a chance of dealing with losing the baby if I'm in here," says Kristina figuring that the state could take the child if she's incarcerated and the baby's father is homeless, "I mean getting a place its very physically and emotionally draining."

If she has the baby while serving jail time, Charlotte County tax payers would have to pay the bill. That seems silly to Kristina.

"It doesn't make any sense. They're paying more money than the fine is worth," says Kristina who says she just wants a payment plan over several months to pay back the fine.

By the way, Kristina is on Medicaid, so taxpayers would foot the bill either way. But if she has the baby in jail, it comes out of Charlotte County's budget instead of Medicaid's.

Kristina is working with a public defender to try and work something out with the judge so she can get out of jail before the baby's birth.