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Old 07-13-2006, 11:23 PM
clarissachargualaf clarissachargualaf is offline
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Default When will the madness end??
My name is Clarissa Chargualaf I am from the island of Guam. I moved out to the United States in hope of a better life. I have never heard of a payday loans till I came out here about 3 years ago. I fell into the payday loan nightmare.

I am 32 years old and I feel so horrible. I even got my boyfriend into getting pay day loans and I feel so awful. Both of our names are terrible in credit. I even made his credit card go delinquent.

I sometimes feel like I am such a terrible person with no sense of morals. A few years ago when my boyfriend was going to school he was receiving income from the state which was very nice and it helped out alot.

One day the money just stopped coming and he didn't receive no notice no nothing. Because of that little incident we have been in debt and can't seem to get out of it. I can't even afford to file for bankruptcy.

My boyfriend has stood by me even despite all this drama that has happened with the past 4 years we have been together. We want to get married but can't even afford a ring nor the reception.

We were both just received papers to be taken to court for our payday loans and credit card.

When will this maddness end? I want a better life but I can't get out of this web of destruction!!
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Old 07-14-2006, 06:02 AM
bdouble bdouble is offline
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Were the Payday loans store front or internet lenders?
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Old 07-14-2006, 07:10 AM
clarissachargualaf clarissachargualaf is offline
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It was both!!
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Old 07-14-2006, 11:52 AM
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finsfan13 finsfan13 is offline
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Were you taken to court by internet lenders? I have never heard of that happening..They must've actually been licensed...
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Old 07-14-2006, 07:02 PM
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ArDeN ArDeN is offline
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How long ago did these debts take place? Chances of expiry of the statutes are possible if no payment has been done within the recent times. I am not diverting you from paying them but you can consider this factor before paying off the accounts.

If things can work out good, you can call your lenders individually and work out payment arrangements. You need to take chances for getting the immediate help or else look into some professional help. Did you talk with a counselor after registering in this website?
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Old 07-14-2006, 09:46 PM
clarissachargualaf clarissachargualaf is offline
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Finsfan only the store front lender.
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Old 07-14-2006, 09:47 PM
clarissachargualaf clarissachargualaf is offline
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Arden,

It has been almost a year.
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Old 07-14-2006, 09:55 PM
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finsfan13 finsfan13 is offline
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aha!!! That's what I thought.
Clarissa, Relax...Talk to the counselor, and they can help you in the right direction. You have a lot of options.
Your boyfriend sounds wonderful..And you are not a bad person!!! Why, because you made a few mistakes? Happens to all of us!
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Old 07-15-2006, 09:42 AM
clarissachargualaf clarissachargualaf is offline
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Thanks finsfan13! It just seems once things starts going good. We have our bills under control. Something drastic happens! Ugghh!! I know it's the process of life. I just wish it could take a break!
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Old 07-15-2006, 09:45 AM
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LOL, yeah, me too...I wish I could go someplace tropical for awhile and hold a really cold margarita in each hand.
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Old 07-15-2006, 10:47 AM
clarissachargualaf clarissachargualaf is offline
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LOL! I so totally agree!
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Old 07-15-2006, 09:45 PM
Lorri Lorri is offline
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Clarissa---About getting married---don't worry about a ring and reception---yes, they are nice and make a wedding very special. But, you are getting married because you love each other, not because of a ring or a nice reception right?
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Old 07-15-2006, 09:54 PM
clarissachargualaf clarissachargualaf is offline
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Very true Lorri!! I even tried to buy a wedding ring at Walmart so atleast it will be cheaper. But I have such chubby fingers that the lady told me I should order a male wedding band. I just about bawled when she told me that!
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Old 07-15-2006, 10:03 PM
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Lori, have I ever told you how much I like and respect you. You are obviously genuine, sincere, and down to earth.

Clarissa....did you smack her? lol Rude sales people irritate me.
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Old 07-15-2006, 10:10 PM
Lorri Lorri is offline
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Thank you Polly---
Clarissa---I would have, well, I would have thought a LOT of things, but I probably would have cried too.
Have you thought about going to a swap meet where they sell jewelry? Or maybe you could get one made of silver (instead of the traditional gold), cause silver is less expensive. Don't worry about what other people say---they are not you and don't live your life.
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Old 07-15-2006, 11:47 PM
clarissachargualaf clarissachargualaf is offline
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Interesting I didn't know I could get one in silver. I guess most jewelers don't want to say anything about it!
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