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 Posted: Thu Jul 13, 2006 11:23 pm Subject: When will the madness end?? |
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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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clarissachargualaf
Joined: 10 Jul 2006
Posts: 15
Location: South Dakota Debtcc Points: 384
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| Posted: Fri Jul 14, 2006 6:02 am Subject: |
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Were the Payday loans store front or internet lenders?
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bdouble
Debt Samaritan
Joined: 15 Jun 2006
Posts: 356
Debtcc Points: 4403
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| Posted: Fri Jul 14, 2006 7:10 am Subject: |
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It was both!!
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clarissachargualaf
Joined: 10 Jul 2006
Posts: 15
Location: South Dakota Debtcc Points: 384
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| Posted: Fri Jul 14, 2006 11:52 am Subject: |
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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...
_________________
"It's a treat, being a long-distance runner...."
Allan Sillitoe, The Loneliness Of A Long-Distance Runner
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finsfan13
Moderator
Joined: 17 Feb 2006
Posts: 7021
Debtcc Points: 59819
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| Posted: Fri Jul 14, 2006 7:02 pm Subject: |
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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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ArDeN
Joined: 28 Jun 2006
Posts: 502
Debtcc Points: 6819
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| Posted: Fri Jul 14, 2006 9:46 pm Subject: |
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Finsfan only the store front lender.
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clarissachargualaf
Joined: 10 Jul 2006
Posts: 15
Location: South Dakota Debtcc Points: 384
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| Posted: Fri Jul 14, 2006 9:47 pm Subject: |
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Arden,
It has been almost a year.
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clarissachargualaf
Joined: 10 Jul 2006
Posts: 15
Location: South Dakota Debtcc Points: 384
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| Posted: Fri Jul 14, 2006 9:55 pm Subject: |
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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!
_________________
"It's a treat, being a long-distance runner...."
Allan Sillitoe, The Loneliness Of A Long-Distance Runner
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finsfan13
Moderator
Joined: 17 Feb 2006
Posts: 7021
Debtcc Points: 59819
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| Posted: Sat Jul 15, 2006 9:42 am Subject: |
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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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clarissachargualaf
Joined: 10 Jul 2006
Posts: 15
Location: South Dakota Debtcc Points: 384
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| Posted: Sat Jul 15, 2006 9:45 am Subject: |
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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.
_________________
"It's a treat, being a long-distance runner...."
Allan Sillitoe, The Loneliness Of A Long-Distance Runner
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finsfan13
Moderator
Joined: 17 Feb 2006
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| Posted: Sat Jul 15, 2006 10:47 am Subject: |
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LOL! I so totally agree!
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clarissachargualaf
Joined: 10 Jul 2006
Posts: 15
Location: South Dakota Debtcc Points: 384
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| Posted: Sat Jul 15, 2006 9:45 pm Subject: |
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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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Lorri
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| Posted: Sat Jul 15, 2006 9:54 pm Subject: |
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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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clarissachargualaf
Joined: 10 Jul 2006
Posts: 15
Location: South Dakota Debtcc Points: 384
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| Posted: Sat Jul 15, 2006 10:03 pm Subject: |
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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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polly
Site Admin
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| Posted: Sat Jul 15, 2006 10:10 pm Subject: |
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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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Lorri
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