quester, my unsolicited advice is to try and find a reputable credit counselor -- they do exist -- and s/he can take on some of the burden by doing some of your thinking for you for how to get out from under this.
Well, we may not have parted on the best of terms. I realize certain words were exchanged. Also, certain... bullets. But that's air through the engine. It's past. We're business people.
Mal ,'Serenity'
Spike's Bitches 47: Someone Dangerous Could Get In
[NAFDA] Spike-centric discussion. Lusty, lewd (only occasionally crude), risqué (and frisqué), bawdy (Oh, lawdy!), flirty ('cuz we're purty), raunchy talk inside. Caveat lector.
Sparky1 - Jan 30, 2013 2:43:16 pm PST #25679 of 30001
Librarian Warlord
Pix - Jan 30, 2013 2:43:44 pm PST #25680 of 30001
The status is NOT quo.
Insent Quester. Hang in there.
Also, I agree with the advice about a credit counselor. You need a road out.
quester - Jan 30, 2013 2:45:08 pm PST #25681 of 30001
Danger is my middle name, only I spell it R. u. t. h. - Tina Belcher.
No, meara I haven't looked into it, I've just been going along hoping a temp job turns into a real one so I can at least make plans to deal with the debt.
I guess I've been in denial. I'm kind of stupid when it comes to numbers, especially money. I don't think I'm overspending, but then I get blind-sided by something.
quester - Jan 30, 2013 2:47:32 pm PST #25682 of 30001
Danger is my middle name, only I spell it R. u. t. h. - Tina Belcher.
I've been through this before, so I thought I was smarter than this.
One thing you need to reduce payments is a steady income, which means a real job, not even a long term temp job, because it could end any time.
It's been 4 years and I'm still nowhere. I never thought it would be this hard but, it just keeps getting harder...
quester - Jan 30, 2013 2:51:40 pm PST #25683 of 30001
Danger is my middle name, only I spell it R. u. t. h. - Tina Belcher.
You guys are seriously making me weep with gratitude... I can't even tell you how much your generosity means to me.
I promise not to squander the help. You guys are so wonderful...
javachik - Jan 30, 2013 2:53:04 pm PST #25684 of 30001
Our wings are not tired.
Quester, spend at least a little bit of it on a treat of some sort.
Pix - Jan 30, 2013 2:53:55 pm PST #25685 of 30001
The status is NOT quo.
We help each other. It's what we do.
quester - Jan 30, 2013 2:57:18 pm PST #25686 of 30001
Danger is my middle name, only I spell it R. u. t. h. - Tina Belcher.
We help each other. It's what we do.
it's what makes this the best place on Earth or in the ether.
Connie Neil - Jan 30, 2013 3:06:18 pm PST #25687 of 30001
brillig
As one who has been through it, bankruptcy is not that bad. Granted, I haven't had any credit cards in over a decade (ie, since the bankruptcy) but prying off those burdens was glorious. They've probably made it harder to get rid of things, but it's an option.
I initially felt like the world's biggest loser, but the reduction in stress made up for it. We didn't even have anything taken from us, because we didn't have anything to take. Unlike the other people in the bankruptcy court with two houses, three cars, the boat, and the big screen TV they'd just signed up for.
quester - Jan 30, 2013 3:15:30 pm PST #25688 of 30001
Danger is my middle name, only I spell it R. u. t. h. - Tina Belcher.
I did go through this and paid it all back, except for the student loan that is still out there.
I just thought I'd have a job sooner than this. My last assignment spoiled me because it paid a living wage. But, now I'm scraping by on much less and apparently making a hash of it.