Since I joined this forum, I have learned several things and have put the advise given to good use. I don't know where I would have been if I hadn't found this site. As of this week, I have completed T&C with the retainer being refunded within 2 weeks, and defeated all the online pdl lenders, with the help of the friends I have made on this forum. I would have never been able to handle this all by myself. I have taken the knowledge I have learned and used it to help new people that come here and ask for help. I have taken a beaten from certain people posting as guests, etc. I have a hard time sitting back and reading the posting where we are told to get jobs, get off welfare, and things like that and not respond. Seems to me all I have done is cause myself to be looked down on by some of the people I have helped. I have struggled with this decision for a while, but I have decided to only post to ones that have registered. We all are here for the same reason, to get help and let the people know that they do have rights and let them know they are not alone in the debt battle. If I am wrong in my decision, please let me know.

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Hi Tammy

I can feel for you. In simple words, care for only those who care for you. Why do you want to help someone who doesn't have a heart and feel your noble sense? Let it go!!

Tammy, you are doing good work here and you express your care for those who look out for something you need to guide them with. They will always feel you important. Life is a mix up of good and bad. Even the flower rose has thorns with it. Life isn't a bed of roses, always. Take it that way. Continue in the same way that make you feel great at the end of the day.

I have been having a tough time all these days because my son is suffering from jaundice. I am devoting most of the time to him and my husband also stays away because of work. Life has been tough lately. But I am trying to manage it and make things better. I will encourage you to do what makes you feel great. Don't feel down, there are many here who care for you. You come here because of them, not because of someone who doesn't have a life.

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Tammy,

First of all, congrats on becoming debt free. You have made much progress since I have known you. You have helped many people here, including myself. I agree that we don't need to be called names because we have made mistakes where our finances are concerned. I know the bs that you have put up with and I have been there myself. It's not worth responding to those who just come here to criticize us for trying to do something to change our lives or to stand up for ourselves when fighting against illegal tactics. You keep doing what you are doing and you will be just fine. I miss chatting with you!

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Tammy,Mishele is right,you have helped too many people to let some moron change that.You are here to help others,and that's exactly what you should keep on doing. Maybe if no responds or falls into the trap of them trying to cause trouble,they will go away. Alot of those type posts,I won't respond too-wastes my time,unless they get way out of hand in the forums.They are taking away the purpose of what this is intended for.Hang in there,and keep posting!...KAren

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As long as you are alive, there's always hope

Tammy,
Don't let them get you down. If anyone looks down on you, then they're the loser, not you. You have done so much..Both for yourself and for a lot of people..Myself included. You have been supportive and a friend..Not to mention you have a ton of knowledge.

I see where you are coming from, but look at it this way..Last winter I was an unregistered guest posting a few times..If no one had helped me, I don't know if I'd be where I am right now. You are too damn good at what you do to let some idiots stop you. Maybe we should all make a commitment not to answer the abusive people.

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26.2
Detroit Marathon, October 2009

Thanks ladies for the replies. I feel proud to have helped and proud to be helping the ones that are serious about getting out of the debt cycle. I know it is such a relief for me. I can now unblock the numbers, answer the phone with no fear and I finally slept through the night last night for the first time since this mess started. I am blessed to have made great friends like you.

Mishele,

If you have yahoo IM, let me know and we can talk there.

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I am completely with you-I have only been posting for a short time but know that calling people names is not what this site is about--and if it were that easy to get a better job, get off your butt, etc., we'd all be doing it, right?
I am nowhere near being debt-free and have had a few setbacks this month, but one thing I have learned is to pick myself up, dust myself off and start over again. Getting debt-free is not something that comes easily, kinda like losing weight....

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I double and triple all that everyone has said.

It seems the name calling always starts from the people that are rude and inconsiderate when they call on the phone. We have all made mistakes. The great thing is we all want to make right those mistakes. No one is trying to get away with anything. In the same breath, we don't want to be taken advantage of. The law is the law - I have yet to see anyone on this site trying to use the law to avoid their commitments.

Fight the good fight.






I was going to close this by calling you all a name, but I wonder if everyone would get the joke.

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Stupidity At Light Speed

I have been called so many names since we got into our credit mess. There isn't enough hours in the day to list them all.

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Congratulations on your success! Why aren't you riding the high of what you have accomplished? You should not give a hoot what people here say to you. Are they involved in your life in any way? Do you love them? Do they love you? Do you even know them? Stop denying yourself happiness by dwelling on strangers comments. Some people just love to get the reaction they are getting from you. You have obviously come a long way and done the right thing and you can now sleep at night. Focus on that. Let the positive guide you not the negative. Think about this, if you never respond again to a "non-member", of which I am, then they have defeated you and you no longer have won. You have just had a HUGE victory in your life. Why would you let anyone, especially a stranger, deny you the thrill of victory? I am a very sensitive person, which it seems you are as well. I know how hard it is to be how I am talking about, but it sure does feel good to not let anyone who is nothing in my life control my life. Especially if all they want to do is bring me down. You go girl. Rock on. Hold your head high!

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My thoughts exactly pats fan!
I don't give one flying fig about what these tarantulas post about me on here.
I know who I am and what I've done and very proud of it, and you should be too Tammy!

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tammy, screw the jerks... and congrats on your success. Together we have made a differnce (though i havent been contributing much of late)

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Life is a journey down a road filled with many twists, turns and forks. the destination is not important... the journey is what makes life precious.

Thanks all of you! It is very true that we have made a difference.

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JJ,

It's always good to see you. How are things going? Tammy, I don't have messenger but I will get it back when I get home. I will be spending the rest of the weekend at my mom's since it's closer to the hospital. It saves on time and gas right now. She had a much better day today. So, how does it feel to be debt free? It's always a good feeling to sleep through the night :wink:

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Good job Tammy! I agree with you completely. You have helped so many people. You, polly, kyside38, mishele, kscornell, erzeke1 have given me hope when I came to this site in desperation with my pdl situation, I would probably still be in a financial mess if it wasn't for you guys. THANKS! I think that the negative comments are coming from people who are angry because you guys are educating consumers about the laws and their rights, teaching others to advocate for themselves. I've been able to sleep at night since joining. Things happen in our lives which we have no control over, and we/you should not have to explain why we ended up where we did, and I know it makes a person upset when being kicked when you are already down. That's how some people get their kicks in life, sad but true. But you got back up!

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Tams, we all get hit with that load of muck. Yes it sucks. Just think of the Farside cartoon of what God created on his off-day. He was holding an overturned pepper shaker in his hand that was labeled "Jerks" and he had a mischievious grin across his face. The world it peppered with jerks and is nice dudes have to unfortunately feel their sting frequently. Well, I suggest you go to Blockbuster or Blockbuster.com, rent as much Python you can, and store all the sharp comebacks you like in your memory warehouse, that way every time you encounter a jerk in the forums or anywhere else, you can dispose of them with style and sass!

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Once you start down the dark path, forever will it dominate your destiny.