Life is sucking big-time right now, especially financially.

Some of you know that my work load has gone way down, and I am currently making about 1/4 of what I was previously making. My lowered income has caused some big financial problems for me. The other day, I got a call from one of my creditors, offering me a "settlement" of $4500, which I do not have. They said, "Well, can you pay $1500 right now?" No, I can't. My check for the whole of last month was LESS THAN $1500. Today, I got court papers from said creditor, coming after me for the money. Um, what part of "I don't have that kind of money" do these people not understand?

Can't get a loan. Don't have people to borrow from (most folks I know are also hurtin'.)

To be clear, this is not a plea for help; just venting a bit while I try to figure out what the hell to do. x(

what is it you do for a livin'?

people who were hurt on the job. I'm paid by the billable hour, and my caseload has been way down for quite awhile. It's gradually going up (thank goodness), but not yet enough to take care of all the bills.

Got to put in that qualifier so you won't get tornadoed. Have a donut. Breathe normally. Give everything up to your favorite deity or saint. :donut: :donut:

I did get 3 new cases today. One of my co-workers is leaving to take a different job, so I'm taking over a few of her cases. Woohoo!!

:woohoo: :woohoo: :woohoo:

That's a real relief. I'm happy for your good fortune. :) You go.

there. It is good to hear the workload is at least increasing, though. Are there any services up your way that can help get the demanding creditor off your back for awhile? Some legitimate outfits specialize in this, at least here in California.

:hug:

My billable hour rate is quite good, but when one doesn't have a lot of cases, it still means a low paycheck. Hopefully the new cases I'm getting tomorrow will help out a lot.

it's a hard (and damn scary) place to be :hug:

Especially with the mindset in this country that if you don't have a lot of financial wealth, you have little or no worth as a person.

One of my creditors told me the other day that I was THE ONLY PERSON EVER TO FALL BEHIND ON MY PAYMENTS IN THE ENTIRE HISTORY OF THE COMPANY. The company is Capital One. Are you fucking kidding me?????? No one in the world who has had a loan through Cap One has fallen behind on payments except me. Wow! I'm special!

:hug:

I am sorry.

TRYING to make a payment. It wasn't what they wanted, but it was all I could do, and he kept refusing. I'm embarassed to say I totally lost it with him. After I calmed down, I called the company back, got a different person, explained the situation, and this person accepted what I could pay. And, he didn't treat me like a piece of scum.

:hug:

the way he treated me, and that he accepted the payment I could make.

Back when I was having financial troubles I got behind with Capital One and they accepted my payment plan right away. That person needs to be reported.

Hang in there, SG. I have been where you are and managed to make it through without losing anything. It was hard but it can be done.

person I talked to about him, and the new guy said I should not have been treated that way. He was very nice.

And I'm hanging in.....not going to let the bastards kick me to the curb.

Damn! That's a sucko place to be in.

Believe me, been there, done that,
right after my divorce---------.

The debt collector from Capital One is full of it.
They specialize in extending credit to those who
have filed for a BK and/or have no credit!!

I know, they were the first ones to contact me after
my BK with an app. for their credit card.

Are there financial counselors who can help you?
Some are able to settle the debt for much less than
what is owed and DON'T expect you to fork over
$1,500. when you're broke! WTH?!?

Hang in there, GF!
I'll be thinking of you.

:hug:

Hopefully the guy who treated me that way got a talking to by his boss.

:hug:

so the guy was wrong.... there were TWO people who fell behind in the entire history of the company. lol

:pals:

Can totally relate :hug:

I know there are thousands of people in this country who are hurting financially too. And we are treated like shit, which we don't deserve.

:hug:

:hug:

You're a love. :hug:

I suspect that other DUers may be able to give you some pointers, and I hope that such will help you out.

Hang in there.

Redstone

I think I may need to get an attorney well-versed in such matters. I am so far in debt, it's not funny. Hopefully, I can find an attorney that works on sliding scale or payment plan.

Thanks for being in my corner. :pals:

a $40,000 custody battle (that happened only because my older son's grandparents were willing to bankroll their mentally-ill daughter in an attempt for THEM to ultimately gain custody, because they resented the fact that my son called Mrs R "Mom" after he'd ben living with us for a year or so)...

Anyway, the money got spent, my son got saved, and we eventually recovered.

You may not think of it now, because I certainly did NOT think of it the, but it's just money. Mrs R and I were DIRT poor when she first came to live with me because of the legal expenses, but we still had a good life and some good times.

Redstone

I glad things worked out for you, Mrs. R, and your kids, Redstone. I know they will work out for me, too. Though it is sometimes a struggle, I don't usually equate my worth as a person with how much money is in my bank account.

:hug:

Though the symbolism of dollars measns something...that $40K was my retirement fund, and I made the decision that my son's happiness was worth more than my future double-wide in Florida.

Redstone

Some things are way more important than money (even if it takes money to get those things, if that makes sense).

" I don't usually equate my worth as a person with how much money is in my bank account."

I think in this society, it's hard not to. I know it has been for me.

It is difficult at times not to fall into thinking that way, isn't it?

posted wrong spot...will repost....sorry

These are tough times, aren't they?

I hope things look up for you :hug:

I know that they will get better. I'm getting three new cases on Friday, which will help tremendously in terms of my billing (and income).

:hug:

...you don't need to apologize for venting. A lot of us are in the same boat...:hug:

Yeah, I know a lot of people who are really struggling right now, including all of my clients, who are living on about 60% of what they were earning while they were working. I've had clients lose their cars, their houses, etc. I'm not quite at that point yet, but it is a challenge, isn't it?

:hug:

...the economy is rockn'....:crazy:

:eyes:

Thank you SeattleGirl for your courage in being honest about your troubles -- this helps me to process my own difficulties.

I have ADD. It's hard for me to stay focused on daily/weekly/monthly/yearly tasks.

I've often lived from hand to mouth, and often enjoyed many times of prosperity. I'm going through an intense time of want right now.

Somehow I've been successful in staving off the worst case scenarios in my life, but I haven't yet figured out how to always remain successful. It seems that I need the challenge of being faced with real prospect of bing thrown out on the street to regain focus. This relay sucks!

My resume reads like a must win; but I seem to lose when I'm most optimistic -- and win when I'm most threatened.

I'm extremely tired of this pattern.

Thank you very much for venting & allowing me to do the same.

edit - sp

so that we can clear the way to think about a situation we are in and do something about it.

I don't have ADD, though, but know a number of people who do, and know it can be a real challenge in everyday life.

As to winning when you are most threatened, maybe you are one of those people who, like me (even without ADD) seem to be the most productive when our backs are against the wall.

Wishing you the very best. :hug:

...You just brought tears to my eyes. I've been alone with some of these thoughts for a very long time.

things get, you really AREN'T alone. There will always be others who are in, or have been in, the same situation.

I'm glad you were able to speak out. :pals:

Now I can go back to being my sarcastic self (just kidding? No it's true! No it's not! :) )

:pals:

;)

:pals:

" I think venting is a good thing. Helps get the intense emotions out"

Thanks for starting this thread. And hope things get better for you.

:hi:

I have ADHD, too...and your post describes me to a T.

I, too, am tired of this pattern. Recently returned to psychotherapy (after many years off) with the number one goal being to break this nerve-racking pattern.

I'm one week late for June's rent so far because I'm delaying calling my father to ask for help for the third month in a row.

And my apartment is a disaster, but I can't bring myself to clean up. I don't have any clean clothes, but I can't drag myself to the laundromat.

This disorder sucks. Ugh.

Thanks for sharing...and for letting me vent, too. :hug:

It was very difficult to ask for, but I did, and she was able to come through for me, to save my car from being repossessed. As a parent myself, believe me, if my daughter needed help of any kind, I'd be there.

Hope things get better for you very soon, pies. :hug:

:hug:

:hug:

...the Capitol One guy you were on the phone with is full of shit.

I had a Capitol One card (I believe...) and fell behind on payments!

:)

And in my blind anger at this guy, I told him that. He was definitely an asshole.

...the only time I do it is when all other options are closed.

The humiliation is only slightly less unbearable than being out on the street.

I barely made rent this month & am without a vehicle which I need to earn next month's rent.

My back is definitely against the wall.

Hope you find the money asap. :hug:

:hug:

You're a good guy! :hug:

I don't normally recommend threads in the lounge, but this one definitely is worthy.

K&R

Thank you again for your courage.

:hug:

:) But you don't know if I'm being sarcastic or not ;)

(You said you love sarcasm -- I love enigmatic thought. Am I being sarcastic or enigmatic or both?)

BTW -- you genuinely made me cry. I told you some things that I hadn't admitted to myself. Now I feel guilty for possibly hijacking your thread.

It really sucks to have a conscience. I wish I were Cheney right now :P

Don't worry about it. I needed to vent, and so did you.

And yeah, sometimes it sucks to have a conscious, but I must say, I'd rather have one, with the pain that occasionally accompanies it, than be like Cheney!

??? ;)

:P

...You say that now. But will you still feel the same way after I go off on a tangent?

What was I saying?

Oh yeah -- I was about to go off on a caffeine induced RW tirade but the Oxycontin just kicked in. Yeah, you've been interacting with me -- Rush Limbaugh (on the DU).

Nah, I doubt it. You are much too sane, even when you are being sarcastic!

You have a PM... :)

Sleep well, dEMOK. :pals:

Greedy @$$holes...
I hope things change for you :hug:

I know it will not always be like this, but when one is in the midst of the financial shitstorm, it is a bit difficult to deal with.

:hug: :loveya:

there's always light somewhere though.

But it DOES suck while it's happening.

to get out of debt. I had collection agencies calling me every day. My pay was being garnished and I had two judgments against me.

Unless I win the big lottery jackpot, I don't see any other way out. And I doubt I'll win the lottery, mostly because I don't play it.
:)

:hug:

:hug:

With student loans, mainly. I wish I had gone into default right away, because deferring them is just adding a whole bunch of extra interest and charges. I don't even have a job now, just home with my babies, which is a decision my husband and I made together. We didn't foresee that is salary was going to get frozen in time circa 2001! Just saying- there's always hope for a new day. Maybe this is our year, SG. I refuse to let creditors dictate how I'm going to feel about myself. Kids can sense that stuff.

I don't equate my worth as a person with my financial worth -- or lack thereof. But so many people do, and sometimes it wears me down.

Hope your situation improves too.

Vent away SeattleGirl. That's what friends are for.
:hug:

It's much appreciated. :hug:

:hug: :hug: :hug: :pals: I'm really sorry, SG. :hug:

:hug:

In the end this will all work out. Remember, they won't send anyone over to break your knee caps for falling behind. They won't send a hit man. You will eventually get these people out of your life so don't let it get to you.
I've been where you are right now, sheriff's deputy knocking on the door with the court papers. Creditors calling constantly harassing me.

Fast forward 15 years later 730 credit score and lenders harassing me every day in the mail wanting me to borrow money from them.

And congratulations on getting things straightened out! That's great to hear. :hi:

I've been there, and it sucks. It got better for me, and it can get better for you too. I had to move though, to a place with better job opportunities. I'm not saying that's what you have to od, just that sometimes it may be necessary to explore other options.

I'm getting more cases tomorrow, so that will definitely help!

I've been in that boat for the last five years and it just keeps getting worse. I wish I knew what to say to help, but if I did, I'd be saying it to me instead of worrying incessantly if I'll be homeless tomorrow. For what it's worth, I have managed to scratch by this long.

:hug:

It seems jsut when I'm about to give up, something happens to pull me through. More times than I can remember, it's been a Lounge hug.

Here's back at you.

:hug:

counseling places that will negotiate with your creditors?

Anybody have experience with them?

than I can do right now. I have talked to a bankruptcy attorney, and I think that's what I'm going to have to do.

money is an abstract thing. It isn't you. It has no moral value. Hard to remember when the phone keeps ringing. Good luck to you.

:hug:

:hug:

Probably on the edge of breaking the Fair Debt Collections act too by making a false representation, which brings me to this. Bookmark the sites below and print out the info. It'll help you deal with the unprofessional employees like the Cap One person. Even if the law doesn't specifically prohibit the behavior, citing the government acts often gets the attention of the unskilled or bullshitting staff. Most of the time in big companies you'll encounter people like the second Cap One rep, the type who know that there are laws covering these situations.

Best of luck with solving this situation.

For immediate reference, the Fair Debt Collection Practices Act
http://www.ftc.gov/bcp/conline/pubs/credit/fdc.shtm

and longer term, the Fair Credit Reporting act guidelines will be important
http://www.pueblo.gsa.gov/cic_text/money/fair-credit/fair-crd.htm

And thanks so very much for the information. I really appreciate it!

sucking is what life does best I think

:hug:

:hug:

it still SUCKS but you make it a little more bearable, thanks!

:hug:

I too am in that boat. I actually have gotten kind of used to the drastic cut in pay but am now trying to work my way out of it. It has been too many years of the types of phone calls you are fighting with for me.

I hope you dig out of it!

:hug:

I know I will eventually get out of this. :hug:

First, keep track of which creditor does what in terms of contacting you. Write to them telling them directly not to contact you on the telephone at home or at work. Do not give them any information. Keep a diary of what they do.

Second, Chapter 7 their asses and don't feel bad about doing so. It still exists. When I was in private practice, banruptcy was my favorite kind of case. It was the one area of law where clients got immediate relief. Clients often told me how sorry they were or how this was really their last option. I told them in no uncertain terms that I hate the guts of commercial creditors and I hate their lawyers even more. The whole law is written for creditors. All normal people have is bankruptcy and I have never hesitated to encourage clients to use it.

Chapter 7 is what the bankruptcy attorney I spoke with recommended, and she said I meet the "means test", so I think that's what I'm going to do.

Appreciate your advice.

:loveya: :pals:

I just gave you a hug in your thread about how much your husband is gone. :pals: :loveya:

...but at least I'm not alone anymore.

There are lots of people in the same situation as we are.

I have decided to file for bankruptcy. I have an appointment with an attorney who specializes in that on Monday. The next step will be to start building good credit again.

I've felt alone for longer than I can express...

I cannot tell you how many times I've given and received support here. It's gotten me through any number of challenges.

i'm in a similar place myself

God help the poor in this country; we are the scourge of the earth, according to the "Have Mores".

I wish you the best, BT, and hope your situation turns around very soon.

it will get better. It's hard to see that when you're in the middle of it all, sometimes, but it's still true.

I'm still too close to the precipice that I teetered on for a few years -- my wife's way of saying she loved me, I guess, was to financially destroy me -- but I know from my own experience and that of others that if you are open to possibilities and willing to think and act with flexibility you will prevail and slowly (or quickly -- heck...let's be open to that, too) build a fiscal buffer between you and financial oblivion and parlay it into perhaps more savings than you've ever had before. For sure, nothing encourages maximizing financial prosperity (without stepping on people to get it, of course, at least in our cases) like being close to or on or over the edge for a while. Money is not important in its own right, but you are right about lack of it being a huge stressor and that kind of stress is very harmful and its effects can be long-lasting. Money is necessary, unfortunately, in this human world of ours.

You will be all right, I know, though I wish that you already were looking at this time from the future. That future is brighter than any of your past could have indicated as possible, too, I am sure. :-)

:hug:

:hug:

:hug:

And I know things will eventually be brighter. Many, many years ago, I had some serious financial problems, and got through them and over them, so I know I can do it this time too.

There are so many people in this country hurting financially right now, far too many. The "Have Mores" don't give a flying fig about we "Have Nots", but I care. I care not only about myself, but about all the people in this country who are suffering in this way. The destruction of the middle class affects so many people.

Thank you again for your support. It means a lot to me. :hug:

I wish I could win the lottery just for those of us here who are "off the crate".

All my best.

What really pissed me off, which I inadvertently left out of my OP, was that before I talked to Nasty Man, I talked to a very nice woman there who said that I COULD pay less than what the letter was asking for, so when I went to do just that, and this jerk wouldn't accept my money, well, I just went over the cliff.

JUST to find him and do the same to him!

Capital One is one of the WORST when it comes to collections. They were trying to get my dealership to do sub-prime auto financing and we have been trying for MONTHS to get them to STOP faxing us.

"Ohhh you're in our "fax server" I'm so sorry, but if you do business with us it will stop! Otherwise it could take MONTHS for it to stop."

It did. After DOZENS of phone calls all over the country. NO ONE is responsible unless they want money from you.

I want to win the lottery, I really do.:cry: :cry: :cry: :hug: :hug: :yourock:

I'm glad you finally got them to stop, but what a pain in the rear!

Hey, if I win the lottery, I'll share!

I do employability assessments and training plans for people who have been injured on the job.

I love that whole "we're coming after you for the money" when there is no money to come after. Good luck with that one, creditors! At one point I had a collection agency coming after me for medical bills (I was uninsured at the time and wound up in the emergency room, where they did nothing for me, but presented me with a bill for about $4,000), but I think they gave up when they discovered that I had something like $13.00 in my bank account, and no property whatsoever.

Anyway, I hope things get better for you....

i own a few clothes and that's it.

i am completely insolvent, broke, and no forseeable income.

had to tell the one creditor, "there isn't anything you can do to me (i live in texas, so if i can ever get a job, they can't do a wage garnishment here). your scare tactics won't work. so please help me understand what you are trying to accomplish." man that pissed her off.

"so please help me understand what you are trying to accomplish."

:rofl:

love to see someone get to them, they can be so nasty sometimes. :hug:

They just expect us to fall to our knees, grovel, and beg for mercy. Jerks!

I really hope things get better for you soon, data. :hug:

can only pay Y number of dollars, and they say, "Well, if you CHOOSE not to pay......" If I choose not to pay????? WFT???? Why do people think they have the right to treat others like pieces of shit if we are having financial problems? x(

I'm so sorry.

:hug:

Fortunately not now, though. You have my sympathy. And you're right, these folks try to squeeze blood from a turnip. Naturally, they assume that you are lying and are actually sitting on a pile of cash that should belong to them.

A debt management program helped me avoid bankruptcy and kept the creditors off my back while I recovered my footing. It took a few years, but I paid everybody off and now enjoy good credit.

good luck

And congrats on getting things turned around!

I have been there. I hope it clears up soon, I know how stressful financial problems can be. :hug:

I love your rose and butterfly! :hug:

:loveya:

I hear you about the 'only someone if you've got money' thing too, but it also seems like more and more there's a big hole in America, as it were. Especially financially, but you already know that.

Ah, best of luck. There is precious little else in this world, now.

The middle class is disappearing, many people are having to work more than one job (like my husband, for example, and I'm looking at doing the same thing), and this society seems to really be putting more and more weight on the worth of a person being equal to the worth of their bank account. If you have little or nothing, you ARE little or nothing, and I see this even among people who DON'T have much. We seem to be devolving into a feudal state here.

Yes, there is somthing very wrong in America today. :cry:

People do not like having their standard of living go down - affect that enough and there will be one last shot in the arm, provided people think they can do something about it.

Of course, there is hope that something will change before that, but yes, if everything else fails there will be the last great appeal to the masses - "you are about to lose".

I deal with people who have been hurt on the job. Many of them qualify for what we call time-loss payments while they are trying to get back to work. It is much less than their regular pay, and I've had numerous clients lose their homes, their vehicles, etc. It wrecks havoc on one's life.

There is a false sense here of being able to do something about one's bad financial situation: the number of predatory lenders has skyrocketed here, from payday lenders (with astronomical interest rates), to "lenders" that will hold your car title until you pay them back (I think Tony Soprano is in charge of that), to credit cards offered to people on the financial brink that also have very high interest rates.

I know the US is not alone in this, but more and more, I am seeing that people who are struggling financially are considered the dregs of our society, regardless of how one got there. It saddens and angers me. Yes, there are people here and all over the world who just want to sit on their asses and freeload their way through life. But the majority of those struggling, particularly these days, are struggling because they've been laid off or downsized, or have had medical problems or divorces or what have you. Many of the "have nots" are the working poor, not fat lazy slobs who sit around swilling beer all day. They are good, honest, hardworking people who just want a decent life for themselves and their families, and yet it is getting harder and harder to do here.

directions. Few if any of these are things that I would like to happen.

The disappearing middle class is what I think is the most shameful. It should be the largest part of society, the majority, the people with the power, the well of talent from which science draws most.

Aside from all the people bieng crushed, I wonder about the future. Specifically, the amount of scientists. We both live in societies where science and technology keep us sustained, and yet in America there are too few. Under Thatcher, Britain screwed up and did not fund the university chemists like they should have - result: 20 years later, a lot of industries moved offshore when Britain could no longer supply the people to keep their companies running smoothly.

Thinking over this, there's not much standing between us and a future where people have "not much". Well, there's me of course, but I'm not much. For what it's worth, I think your anger, and the anger of people like you, will be the thing that changes this direction you're heading in - please don't lose your way. :)

We are turning into Mexico, with a few rich people at the top, a small number of middle class people, and the majority of people being in the poorest group in the country.

Ever since Ronald Reagan and his "trickle-down economics", the middle class here has been under assault, and those assaulting it have done immense damage, particularly since Bush the Lesser has been in office. Bush and Reagan and their ilk do not like the middle class, because they recognize the power of the middle class. Unions have also been attacked, because unions are a big part of what helps make the middle class strong.

And I agree, anger at what is happening is what will help turn this ship around. Even a lot of people who have voted Republican for all their lives are starting to turn away from the party, or at least from Bush. Part of it is the war, of course, but I think that so many people are getting hit in the pocketbook that they can no longer support this administration.

And don't worry; I'm a fighter, and I won't lose my way. :pals:

A little hope. I wonder, will people still keep the dems well accountable? That's the other thing that could really do something great to your country - preparing for the next time scummy politicians get in by making so that they can't get away without the media and the people tearing them a new one.

I still relish the though of REM's "All the right friends" (specifically the chorus) playing as the repubs step down.

Ah well, hope remains.

:hug:

Did you have a nice vent? :)

I wish I could do more, but all I can offer is my support, and :hug: :hug: :hug:


You'll get through this; things will get better.


:loveya:

And yes, I WILL get through this and things WILL get better.

And knowing you are in my corner is more than enough. Thank you! :loveya: :hug: :loveya:

Hang in there.......a better day is on the way, sweetie....... :loveya: :hug: :loveya:

I know I do, and it means a lot. :loveya: :hug: :loveya:

You could also try to sell on craigslist - which I believe is free (ebay of course charges fees). On ebay you may want to include the "buy it now" option so that you could potentially get cash faster than an auction.

I've sold a good bit of clothes on ebay.

And this is way out of the blue, but check your Secretary of State's website for "Unclaimed Funds". One time I did that and actually found a small bank account my husband had forgetten about when we moved.

I've never sold anything on eBay or Craigslist, so I would need to learn more about how to do it. Thank you for the suggestion, and the one about checking with the SoS's office.

because Seattle is a huge market for you. Saves packing and shipping (usually paid for by buyer) if they can just come and get it or you can deliver it to them.


For example:

http://seattle.craigslist.org/bik/

Look at the upper left - you can click and go to the Seattle-Tacoma home page. On upper right, click to Post something in bikes. Helps very much if you upload a photo. I put two couches up and had interest right away.


On ebay, the insertion fees and final value fees can really add up. For that reason, may want to sell items as a LOT - a group of items all under one listing. My tips for ebay selling: For clothes, unless it is something really special, a price of 29.99, for a leather jacket maybe 39.99. is a good price to move something quickly. I know when I go to ebay I want a quick deal and that found-a-bargain satisfaction. It also helps if you list a bunch of auctions at the same time, and note in your description that you have more (See my other auctions for more great deals). Definitely upload pictures, it helps things sell. People are always crusing ebay for leather jackets, Theory clothes. If you can put just one item that will fit one of those really popular searches, it will get picked up in a search and that will lead them to all of your other items. NWT = New with tags. EUC - Excellent used condition. NWOT - New without tags.

DVDs you are no longer using? Anything signed by someone famous? Shoes you bought but never wore?

I'll definitely check out Craigslist! I really appreciate your help here!

least it will be something.

I need, but any amount will indeed help. Thank you again!

are being used and enjoyed by someone else. Saves resources and money, in a community sort of way.

I've always liked that idea too. I usually give clothes I dont wear anymore to charity, but right now, the Graigslist thing looks like the better option for me.

I have a friend whose sister and husband quit their jobs and run their ebay store instead. They search all around for antiques and collectibles and sell them on their ebay store. She said they make a nice living, doing a lot less work then they used to.

Could be a part-time thing to supplement income. I've often tought about doing it myself. Buying name brand/designer items on super sale at TJ Maxx and then selling them on ebay for of course more than what I paid.

Hang in there...it always gets better.

:thumbsup:

And that YOU!

I hope things get better for you soon. I have been through many tight times and something always works out.

Until then, :hug: you have my support!

Thanks! :hug:

that anxiety and frustration is all too familiar, and May was an exceptionally bad month, even though I advertised more. if the economy keeps getting worse I don't know what I am going to do, and trying to save money for the future is a joke, just getting out of the hole is challenging enough. Those creditors tick me off, that a huge chunk right the eff now as penance for missing payments. Like we are supposed to magically come up with a huge amount of money when we couldn't even manage the smaller amounts sometimes.

Hang in there, and don't let those pushy inhuman creditors get to you, they have a reputation of being intimidating and insulting, sometimes most unprofessional, creditors have turned into an almost mafia like approach. but don't worry, they can't do anything to you except go to court and end up with a court-ordered smaller regular payment plan, so what is the point of them going to all that trouble?

I am sending you warm vibes and hope you can at leats enjoy the free sunshine we may have this weekend!

I agree -- it's idiotic to take me to court for what would be smaller payments. I don't think I could ever work as a collections agent. I'm not that mean.

Today's sunshine seems to be of the liquid variety. Oh well, it's free too!

Could be worse. At least you are in charge of your own destiny / your own boss. And, there's more work for you on the horizon.

I find myself in the position of being financially secure-ish but hating my job, being pushed around like a little cog by indifferent management, and dependent on insurance for a chronic illness. It was so bad that Thursday I called in sick due to outright anger. Maybe you have less money right now but I bet you are more free and happy than I am, and lots of other people stuck in the "machine." Always a bright side, right?

Hugs and good luck!

There is definitely an upside to the work I do. I work for a company, but essentially am my own boss, and I get to work from home, which I really enjoy.

I hope things get better for you, too. I once quit a job without another one to go to, because I was so fed up with the person who ran it. 6 other people quit the same time I did, so that tells you something. (I did get another job within a week, but I had never just quit a job without a new one to go to.)

:hug:

It's been really rough, but luckily things are looking up for me very soon. No big advice, but I hope things look up for you soon as well. It's very hard sometimes. :hug:

It'll turn around for me, too. Hopefully sooner rather than later. :hug:

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