Internet's first get-out-of-debt community - 136,000 members

Posted: Thu Jul 06, 2006 12:44 am Subject: i think i screwed up!!!

ok a place called united processing inc called me and said i needed to pay 447.71 for my cash in minutes loan. so did cause they said they would take me to court and i dont need to go to court going to court would mean my family would find out what kind of trouble i am in. so i took the money from my g/p's account. now i need to know if i can fight back and get a refund? i live in oklahoma. and i believe the cash in minutes loan was for only 100.00. can someone help me get a refund?

and does anyone know how i can get about 6,000 to get out of this mess i am in. i'm just so depressed again right now cause i can't get no more hours at work the bills are starting to pile up again. the bank wont give me no loan i dont care at this point how much i have to pay back i just want to get 6,000 to pay off my debts and be done with them im so desperate right and please dont say debt consolidation cause the 6,000 is a person not a company. what am i going to do....i have no idea sometimes i just hope i dont get up in the mornings. its gotten outta hand i need help so bad. im sorry im rambing.

Posted: Thu Jul 06, 2006 1:31 am Subject:

Posted: Thu Jul 06, 2006 3:23 am Subject:

Identity-crisis...Didn't you just have a $4000 loan shark problem not too long ago?
How did it get to $6000?

Guest · Posted: Thu Jul 06, 2006 5:02 am Subject:

Hang in there! I'm praying for you. Take a step back. Things are never as bad as they seem. We all go through struggles for a reason. You'll come out of this a better person. Keep trying.

Posted: Thu Jul 06, 2006 10:46 am Subject:

ID, I am very sorry to say, please don't take my words in other way. I want to make you see things in a better way. The problem is that you lack financial planning and this is the reason you are not able to manage your money. You are doing the same mistake of borrowing money from others to pay back the present loans. You might fall in the same situation in the future as you are now. Try to gather that much money you can pay back. Nobody will lend you unless you are able to return them back in the right time. Look around yourself for the sources of income and try to reduce the expenses to the minimum. If you can control your expenses, you will be able to do some savings for emergencies. The most important thing is that you need a second job so that you can roll over. Please don't take my words in other way. I would have taken this advice if I had been in your shoes and improve my situation. Proper management is a must!

Posted: Thu Jul 06, 2006 11:09 am Subject:

yeah i forgot to tell and didn't get it recorded or anything but the guy i talked his name was prosecutor hagan said he was sending the sherriff out to get my grandfather for fraud if i didn't pay it so i paid it now i guess i'll be with out a refund. oh well.

Posted: Fri Jul 07, 2006 11:22 am Subject:

yeah i have screwed up my grandpa found out i was taking his money. so now i have to pay him back weekly and hope he don't have me arrested.

Posted: Fri Jul 07, 2006 11:43 am Subject: hope

Identity Crisis - I too hurt my family by my money woes, but the thing that hurts the most is the fact that I hurt them. I can handle things when it's happening to me, but I hurt them. My family is very supportive of me, and they showed me that their love is unconditional. Where you said you didn't want to get up some mornings, I've been there. I think that everyone has. You sound like you are in such despair. Everyone in this forum knows your pain and feelings, but you have to start climbing upward now instead of going backwards. Borrowing more money to pay back money you owe will not help. Just digs you in deeper.

Posted: Fri Jul 07, 2006 11:43 am Subject:

Identity_crisis,
The pdls can't have you arrested, but your Grandfather could. You had to have known it was only a matter of time before he found out.. It's time for you to sit him down and have a talk with him. You NEED to level with him and tell him the entire truth. He will be very angry, but he may help you more than you expect. Plus, you will feel a lot better and be able to handle things a lot easier if you have this out.
You CAN work this out. I wish you the best, let us know what happens.

Posted: Fri Jul 07, 2006 11:45 am Subject: advice

Finsfan is right. Talk to your grandfather. It will get the load off of your shoulders. The burden of carrying around that much guilt, is going to bring you down and make things worse. Get it all out on the table.

Posted: Fri Jul 07, 2006 12:07 pm Subject:

This is great advice they have given you. You need to level with your grandfather and whoever else can help you. Don't let the pdl's make idle threats to you and don't be scared of them. Stand up for yourself. Take a deep breathe and take care of yourself!

Posted: Fri Jul 07, 2006 5:33 pm Subject:

Next time a PDL says they will have you or your grandfather arrested, just say, "Yeah, ok. I've been thinking about taking a vacation...Does the jail have an indoor pool?" THEY CAN NOT ARREST YOU! Period.

Talk to your grandfather...I bet he'll surprise you. And PAY HIM BACK...Set up payments with him..He'll be easier to work with than the PDLs, or taking another loan right? And the best thing about it, is you'll be getting out of the mess...

And as has been said, a second job may help you out...Every little bit helps. You don't have to do it for long, just enough to get ahead...And the busier you are, the less money you can spend, right? Smile

Posted: Fri Jul 07, 2006 6:32 pm Subject: re

I am totally confused. Cannot help because you need to elaborate further. You are annonymous here so feel free to post more information ( leaving peoples names off )

Who is this 6,000 owed to? A person? A gangster? Someone who you believe will do you bodily harm if you don't pay?

How much do you owe in PDL's?

One word of advice - be honest. Lying to your family is the worst thing you can do. I am sure your Grandfather loves you more than money but if he can's trust or believe you then that can do the most harm.

Posted: Mon Jul 10, 2006 9:54 am Subject:

ok heres the deal i still have pdls my grandpa found i took his money so now im outta his house and moved in with my boyfriend and my grandpa will let me pay him a 100.00 a week i have agreement with the paydayloan companies the one i've called but since i moved out my grandpa's house i no longer have internet access unless i come to the public library. so i'll be around every now and then.

Posted: Mon Jul 10, 2006 3:02 pm Subject:

identity_crisis,
I'm glad that you were able to work out a deal with your Grandpa and the pdls.Things will start to turn around for you..We will definitely miss you being around.

Posted: Mon Jul 17, 2006 10:54 am Subject:

my boyfriend is going to be doing an out of town job making about 1200 or more a week so i'll get of the pdls faster cause he wants to help me thank god. and my grandpa knocked off about 1200 from what i owe him and so now im down to about 6200 to pay him back and my grandpa will i slettig me pay 100.00 week which is good and i am taking someone's advice from another thread and getting a second job i just hope i can stand up to it but i wont have no one at home when my boyfriend leaves town. so a 2nd job will be perfect keep me busy and plus where i will be working if they ahire i can get old pizza take him wont have to worry about cooking or buying a lotta of groceries. rihgt now just have to worry about the rent and gas to get back and forth til he goes out of town.

*Name:
*Email:
*Phone:
*Zip:
*Debt

	* denotes required field

Internet's first get-out-of-debt community - 136,000 members

i think i screwed up!!!

Members Area

Free Debt Counseling

Ask the community

Also See

Featured Discussions

Featured Articles

Recent Forum Discussions

Recent Blog Post