Internet's first get-out-of-debt community - 128,000 members

Posted: Tue Mar 27, 2007 3:16 pm Subject: This is how it all started

well my story this is how it all started. when i started college i didn't want to stay on campus so me and a friend of mine got an apartment together. We went to a furniture store to see if we could get financing to get some funiture but they told me that i had no credit and that i should apply for some credit cards to get my credit going so i did. then when i moved back home to help my sister take care of her kids it took me 3 months to get a new job but i was still making good payments on my credit cards but in the middle of the year i started getting sick and i went into rejection (liver transplant)and was hospitalize for about 2 or 3 months so for 5 months i had so income and by this time i was in my own apartment and had no way to pay any of my bills, nor buy food.so i got behind on my credit cards and they all were eventually sent to collections. so when i started back getting a income again i starting calling them all to try to catch my payments back up but they wanted me to pay outragious amounts they knew no one could afford so i decided to pay them only what i could and if they don't like it oh well too bad. some have been understanding some have just been getting on my nerves. so now you know my story, welcome to my life.

Posted: Tue Mar 27, 2007 3:52 pm Subject:

Thank you so much for posting your story.

I hope your health is back on track, that is the most important thing. As long as YOU are ok, everything else can and will be worked out.

Hang in there, it'll get better, I promise. we're here for you.

Posted: Tue Mar 27, 2007 3:58 pm Subject:

thanks for your comment finsfan i really appreicate it, because stress does cause or add on to your health problems but yes i'm doing good so far. it will be eight years with my new liver on april 15. and thanks everone for being here for me.

Posted: Tue Mar 27, 2007 4:01 pm Subject:

Congratulations! That's wonderful..Every day is one more day that we're closer to incredible medical breakthroughs.

Posted: Tue Mar 27, 2007 4:07 pm Subject:

Hi blinkyberry

Good to know that you are keeping well. When you are making the payments, are you checking if the company is posting it on your file? Be confirmed that the balance is going down.

The interests and fees are to be mentioned in the agreement copy. Go through it and dispute the inaccuracies.

Posted: Tue Mar 27, 2007 5:18 pm Subject:

blinkberry i like very much your story because is a
story of a girl so young that is a winner.
Life will be full of good surprises and happiness for you.i really love to read all your posts.

Posted: Tue Mar 27, 2007 6:46 pm Subject:

Blinkyberry,

Welcome to the forums Smile

It sounds like you are trying to take care of your credit card debt. I understand about some not being so willing to work with you. I'm glad to hear that your health is improving also !

Posted: Tue Mar 27, 2007 7:26 pm Subject:

Good for you---you have taken the initiative and have resolved to try and take care of some of your debt. Do what you can, when you can. Your health is your number 1 priority (which I am sure you have been told numerous times). Worrying about money is never worth it---you go!

Posted: Wed Mar 28, 2007 5:58 pm Subject:

thank you all for your comments. how about i called one of the creditors who say i have a debt with them and told them to send me a copy to verify that i do indeed have debt with that credit card when i remember paying it in full i called them about a week ago and i still haven't received anything from them but they expected me to just pay them $450 over the phone i don't think so.

Posted: Fri Jun 01, 2007 12:09 pm Subject:

It really stinks when your debt was completely out of your control. Not like you planned to get sick.
Way to go getting everything under control and good luck with that new liver!

Posted: Mon Jun 18, 2007 5:36 pm Subject:

BLINKBERRY HAPPY BIRTHDAY!!!
I WISH MANY WONDERFUL THINGS FOR YOU AND YOUR FAMILY.
I WISH A GREAT LIFE FOR YOU AND MANY AND MANY YEARS
OF HAPPINESS AND SUCCESS FOR YOU.
MANY BLESSINGS FROM GOD.
YOU ARE A YOUNG AND WONDERFUL GIRL.
C-O-N-G-R-A-T-U-L-A-T-I-O-N-S!!!
H-A-P-P-Y B-I-R-T-H-D-A-Y!!!

Posted: Wed Jun 20, 2007 12:51 am Subject:

Thanks for sharing your story. I have been in your shoes before, and I know how hard it is to get out of the pit. Mine got so bad, that I ended up declaring bankruptcy back in 04. Since then, I have learned my lesson and thankfully got a second chance. Now my credit is good (bankruptcy has been discharged) and I'm slowly re-establishing credit. I was able to put my house in my name in january of this year. All of it was a slow process to correct, and I know what mistakes not to make again.
Good luck to you!

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