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 Posted: Mon Mar 31, 2008 7:19 am Subject: Coping With the Process of Getting Out?
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egypt, you know there are a lot of us feeling the same way you do...and I so wish I could take away your pain...I did have to let my husband know what was going on...after Christmas and our water heater busted and our fence falling over; there was nothing left and my husband kept asking what was going on and why we never had money.....but we were all at fault; I would say in the past that when we were low on funds for what ever reason; I would tell my husband and kids; but it would not stop them from spending; so I would go get pdl's to cover what was spent. Not to mention nsf fees before i got the loans....
I too was sleep deprived; in a severe depression; always yelling at the kids and my husband...then finally I had to come clean...I was so ashamed that I had 17 loans.....oh my I thougtht...luckily they weren't storefronts and most of mine were illegal and I had paid well over the principle..
AND............this website totally saved my life as well....I couldn't be able to sleep and be a normal person if it wasn't for this wonderful community...I have only been doing this since the end of February, so a full month.. but having my full paycheck has been a blessing....
Once I get something by email; phone or mail and I have concerns; I don't hesitate to ask....and post out here..get my answers and I feel so good that I have each and everyone on this site...just amazing...I too try to help out a little here and there even though I am no expert...but believe me; once this is all behind me; I will return the favor...
hang in there egypt....you really can do this....
Cyber hug.....
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purplegirl69
Joined: 26 Feb 2008
Posts: 251
Debtcc Points: 3475
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Posted: Tue Apr 01, 2008 9:45 am Subject:
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Thanks everyone...this has helped me tremendously. Cannr, panic attack is a euphemism! But as strong and brave as you ae compared to what you say you were, which is like reading my own mail...gives me HOPE.
Purple, what you are saying you did is exactly what I have done too.
Had to tell my daughter she could not buy $10.99 laundry soap and you'd have thought the world ended.
I love you guys and I do not even know you.
Believe it or not, I advised a freind on how to get her sister out of this mess.
I am thinking seriously of writing an article for a magazine on this subject? Think there would be any takers?
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egyptcrossarabs
Joined: 18 Jan 2008
Posts: 254
Debtcc Points: 4671
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Posted: Wed Apr 02, 2008 8:27 am Subject: Coping With the Process of Getting Out?
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I would hope there would be someone out there that would publish an article on this issue. I had no idea it was so bad.....I still can't believe I found this place and it was by chance surfing the internet on consolidating pdl's.....
I once was a dreamer of becoming a jounalist; and have also thought about writing an article....
Maybe it's worth it; I know it would probably make you feel good even if it wasn't published....
There are lots of people on here I am sure you could interview...I would tell my story...
But whatever you do; I want it to take your pain away...because coming out here takes away mine everyday....it's a struggle...
Good Luck Egypt...One day you can come on here and give us all your success and become the expert....
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purplegirl69
Joined: 26 Feb 2008
Posts: 251
Debtcc Points: 3475
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Posted: Wed Apr 02, 2008 9:30 am Subject:
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Actually writing was what I wanted to do. I took several commercial writing classes, then got writers block. I edited things so harshly I could not even write a letter. When I went back to school to be a nurse, I overcame this somewhat as I had to write papers again?
I do not think I will become an expert...somehow I still see myself as jaded when it comes to financial matters?
I do think someone needs to enlighten others who are like us and would not have a clue except for the fact we are computer literate and found this site?
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egyptcrossarabs
Joined: 18 Jan 2008
Posts: 254
Debtcc Points: 4671
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Posted: Wed Apr 02, 2008 12:03 pm Subject: Coping With the Process of Getting Out?
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I was a jounalism major in high school as well as in college; well during my junior year in school, I changed my major to business...well; needless to say I am not doing what I truly want to do; but am happy.
I still feel we need to have a voice and find a way to get the word out....these are desparate times and people are doing whatever they can and it just seems that these pdl's love it...
hopefully something or someone will be able to do what's best for all of us...
take care and wish you well....see you on here again...your cyber friend..
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purplegirl69
Joined: 26 Feb 2008
Posts: 251
Debtcc Points: 3475
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Posted: Wed Apr 02, 2008 6:18 pm Subject:
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Thank you! I am hoping someone will come forward and tell if they have read any articles about these loans. I Googled and just found the ones pro-PDL's?
Tht they serve a purpose in poor communites where no one can get a conventional loan. What crap?
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egyptcrossarabs
Joined: 18 Jan 2008
Posts: 254
Debtcc Points: 4671
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Posted: Wed Apr 02, 2008 8:48 pm Subject:
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Egypt, I cannot tell you how to get through as I am just starting the process. I have felt like the biggest loser and even contemplated suicide(momentarily), because I was unable to take care of my daughter. But then I came here and you were one of the first people to offer me support and make me not feel like a loser. From what I can see you try to be very supportive of almost everyone. Maybe you can use that to help you get through this? It's kinda like a program I am involved in that one of the things you do is help other's going through what you have been through. I know whenever I do that it always makes me feel better.I don't know if this makes any sense. I want to let you know that you made a huge difference to me when I needed it the most! Thank you!
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momof1_1990
Joined: 31 Mar 2008
Posts: 93
Debtcc Points: 2020
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Posted: Thu Apr 03, 2008 7:45 am Subject:
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Mom that means so much to me right now today. I had an extremely bad night. I hope that I offered some comfort to you as you said. I sure do not want anyone to feel this misery and anguish.
Those who knew I did this with the PDL's in times past have made me feel so stupid, but those here on this site understand?
My husband was told last week that they would be searching for a way to give him more hours and I was encouraged, but now I see once again, it is not happeneing. I know he likes this job and does not want to quit but he will have to find a second part time job if they do not move faster? $200 a week is not enough to pay bills, much less pay off anything?
I am trying so hard not to lose faith, but I feel like I am moving through quicksand?
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egyptcrossarabs
Joined: 18 Jan 2008
Posts: 254
Debtcc Points: 4671
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Posted: Thu Apr 03, 2008 7:57 am Subject:
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| Quote: | | It's kinda like a program I am involved in that one of the things you do is help other's going through what you have been through. I know whenever I do that it always makes me feel better.I don't know if this makes any sense. |
Mom, I think that is why quite a few of us stick around. I found it easier to let my guard down and get help becuase everyone on here has experienced what I was going through and could really understand without judgement. Many people who come here for help feel as you did and do not need the added streess of being judged as well. We all make mistakes and from being here and receiving the support, I was finally able to forgive myself for making those expensive mistakes. I have seen your posts and you too have kind words for everyone which in my mind is as important (sometimes more so) than the technical information we provide. I never want anyone to feel the desperation, lonliness and self loathing I felt and I know that is how most of us feel when helping each other.
Egypt, I am so sorry you had a bad night last night. I know sometimes it seems as if you are rolling a boulder up a large hill and that things will never come together. You have made such great progress and no matter what always are here to help out others. Please keep the faith and you know we will all do our best to help you out of the quicksand.
_________________
In life it doesn't matter
how hard you hit, it matters
how hard you get hit
and keep moving forward.
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RoxyNY
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Joined: 03 Aug 2007
Posts: 4089
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Posted: Thu Apr 03, 2008 8:43 am Subject:
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Gee extend a branch right now. I just got a call from the Check Into Cash woman who I told that the account was closed, who said many do have a closed account and as *long as they do not know about it*, they can continue. Well today she called and said the bank told her the account was still open and the funds are available. I told her that was impossible, because it had been closed. I asked her what account number she had given them and she told me the old one...I told her other members of our family had an account so perhaps it was a mistake.
Then I called my bank and spoke with the gal who assisted me with closing the account. She reassured me that it was closed and that they will put not to give out the account info to anyone.
I think she is pressuring me into giving out my new account info.? How do you think she knows I have a new account? She says she cannot do a paydown unless the account is current, which requires a new account and check?
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egyptcrossarabs
Joined: 18 Jan 2008
Posts: 254
Debtcc Points: 4671
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Posted: Thu Apr 03, 2008 8:58 am Subject:
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I am going to post most of the above on my other thread too...the urgent one as it really belongs there. Sorry guys.
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egyptcrossarabs
Joined: 18 Jan 2008
Posts: 254
Debtcc Points: 4671
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Posted: Thu Apr 03, 2008 11:16 am Subject:
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Egypt, It is ok...we will find you no matter where you post it. Hang in there...someone will be along soon with the store front experience....but then you know that already 
_________________
In life it doesn't matter
how hard you hit, it matters
how hard you get hit
and keep moving forward.
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RoxyNY
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Joined: 03 Aug 2007
Posts: 4089
Debtcc Points: 11636
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Posted: Thu Apr 03, 2008 11:22 am Subject:
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Yes Egypt, I am sure somebody will come along with more than a branch, probably a whole life preserver!
Sending you a big hug!!!!!
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momof1_1990
Joined: 31 Mar 2008
Posts: 93
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Posted: Thu Apr 03, 2008 11:35 am Subject: hang in there!
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i am just starting the "process" of taking this problem by the horns. i am a paralegal.i make pretty damn good money for being 25. yet.. i dont see any of it due to this whole fiasco i put myself thru. i was going thru a tough break up.. had to move out, buy a new car.. i started to get behind and thought ONE payday would be fine.. then i needed another to get thru.. and ended up with 13!! its crazy. i been depressed, sleep deprivated FOR SURE. i can't sleep, i worry, i have anxiety soo crazy at times. its just taken over my life.. but with this website, i feel the light at the end of the tunnel. i was about to declare bankruptcy!! i hope all the advice and letter templates this site has given me will help me thru this rough patch.
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cnina0224
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Posted: Thu Apr 03, 2008 11:36 am Subject: hang in there
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but hang in there!! u obviously arent alone. and things will die down. u gotta take care of the people who matter the most in your life.. YOU and YOUR family. you know? i hear you on the food/rent thing. its depressing, but know it will end soon.
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cnina0224
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