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.

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...

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...

Quester, spend at least a little bit of it on a treat of some sort.

We help each other. It's what we do.

We help each other. It's what we do.

it's what makes this the best place on Earth or in the ether.

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.

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.

I wish I knew how the student loans were granted special status vis a vis bankruptcy. When Hubby went on Social Security his student loans were frozen, and we continue to get nibbles from whomever owns them now going "Are you still disabled? Can we leech onto whatever income you have yet?" Though I did have fun with the people who called up and told me they could garnish my wages for student loans incurred before I even met Hubby. I invited them to try and said I'd meet them in court. Oddly, they never called back.

I am of course, open to any and all suggestions, though.

What I've been doing isn't working, obviously. I really want to get a handle on this.

I've lost control of everything in my life. Hope isn't cutting it anymore.