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I'm getting over IT

Date: Fri, 08/18/2006 - 14:35

Submitted by Pauli'sGirl
on Fri, 08/18/2006 - 14:35

Posts: 344 Credits: [Donate]

Total Replies: 11


Alright, I've been a member for about a month now and have finally come to the point where I want to tell my story......Last June I separated from my husband and then the past due bills started piling up, because I could not pay everything on my own. My bank account was drained, because I didn't think to do it first, and he got all the $$ out of it. I'm over that-my fault I shouldn't have trusted him anymore at that point. I did the best I could with the creditors and was making headway, however not as quickly as some of them would like. I was getting collection calls at work and setting up post-dated checks for payday, oh did I mention I get paid 1 time a month, for a couple paydays with 1 creditor, they would be paid off and I'd do it with the next guy who got me on the phone. I finally got a new credit card on my own, and was feeling pretty good about my situation and then.....Another creditor got me for 3 postdated checks of $538.00 each. This was the last straw for me and began my PayDay Loan Nightmare. I began with just one and at the worst was up to 5. I was getting PDL's just to survive and I have a good job. So stupid me, decides what better way to get out of debt but with a debt consolidation loan...big mistake, I feel victim to an advance fee loan scam and was out $800.00. I know I know, if it sounds too good to be true it probably is AND guess what folks, it was. I took another PDL to help pay for the advance fee to get my loan. So now am I not only out what little $ I had left for the month, another PDL. WHY ME I kept asking myself. Why not me, DUH! I have a good job but I was not behaving responsibly with my debt. The latest development sunk me so far that I was getting anxiety attacks, and physical symptoms like the flu, I just didn't know what to do and was at the end of my rope. It's funny people ask how I lost so much weight, what do you say...let me tell you about my stress level and how I can't eat because of the stress I have caused myself? I had to close my checking account because the scammers had that info and I was afraid to put any money into the darn thing. I came across this web site which actually gave me the strength to stop stressing, I actually felt like I was not alone for once in a long time with this problem. I've got what I've got and I cannot do more than what is possible. Now I have 3 PDL's in default but I have begun credit counseling with a company that will deal with the PDL's and the remaining past due debt that I have. Things are looking up and actually it's not so bad. I AM OVER IT (soon to be over my debt too) and not stressing like I was.


I am so proud of you and you should be of yourself. I think we all know how you felt. Thats the great thing about this site people understand. Occasionaly we get the rude guest on here but for the most part everyone is great all the moderators and normal users. Life will be better and we all learn from mistakes. Good Luck KYSIDE38


lrhall41

Submitted by KYSIDE38 on Fri, 08/18/2006 - 15:00

( Posts: 2477 | Credits: )


Hi paulisgirl

We all are going through similar problems. The lines of our story maybe different but the crux of the matter is the same. That is why we understand each other so well.

Pauli's, don't stress at the cost of your health. If you fall ill, I assume no one is there to look after you unless you have your parents and kids (you didn't mention about them). Take courage and take control. Life teaches us new things everyday. If we are going through such problems, we are learning how to take care of them also so that we don't repeat the mistakes again. Believe me, these problems never last long. They are like separating clouds. They will surely go away. Just make sure that you plan your finances in the right way and don't go out of your lines again. Stay with us in this forum. Everyday, it teaches something and makes us alert from the stories unknown.


lrhall41

Submitted by andyyoung on Fri, 08/18/2006 - 15:33

( Posts: 451 | Credits: )


Yea for you!!!It's so good to know you aren't alone and better yet, that there are solutions.You hit the nail on the head,you saw your part in the debt irresponsibility,took me several times to see this,and now you can look forward and hopefully learn and move on.I'm glad you got some relief,what a burden lifted,huh?! :D ...Karen


lrhall41

Submitted by Bossy4455 on Fri, 08/18/2006 - 15:35

( Posts: 5854 | Credits: )


Paulis girl--Welcome to our little family! :)

I came here in December of last year, and my life hasn't been the same since. :) Things are under control, and I have somewhere to go to vent, and no one tells me I'm crazy or over-reacting....Try telling someone without PDL's or collection agencies breathing down their neck about it...They look at you like your nuts...lol

Stick around, we're all in this fight together, and you'll be surprised at what you'll learn about yourself in the process. :)


lrhall41

Submitted by Jessi on Sat, 08/19/2006 - 06:02

( Posts: 3361 | Credits: )


Jessi, you are exactly right about being able to vent here. It is not as if you are being judged by not making the wisest choices. One thing all of us need to remember is that just because someone has money doesn't mean they are any happier or better off than those of us that struggle with our debt and finances. Thanks for all the support everyone. BTW, I do have people in my life that care they just don't get it. I have 2 wonderful kids and a great boyfriend, but these are my stresses and I just try not to vent it out on them, WHAT DID THEY DO? NADDA.. anyways have a good day everyone. Pauli'sGirl


lrhall41

Submitted by Pauli'sGirl on Mon, 08/21/2006 - 15:05

( Posts: 344 | Credits: )