My Sad Story, The Movie...

Whine away Kscornell, there is a light at the end of the tunnel. I know exactly what you are going through, I am a single mother with two disabled children, and I'm the only income...no child support. It looks like Dennis is doing something legit and something that will help alot of our members. I know what you mean, I make good money as well with nothing to show for it at the end of the month. It does get better.

Kathy...That's what we're here for, for you to vent on us!!

There most definitely is a light at the end of the payday loan tunnel, I swear. You will see it soon. remember, there are always going to be temporary setbacks. I remember going through this same struggle last winter. I thought I'd never come out of it, but here I am, better than ever.

You're doing great, and you will win this one..I promise you.

Yup, Michelle is right!
When I was having problems earlier this year, it seemed there was a never ending stream of disappointments and I was discouraged.
But as my really good friend, Michelle said, "It gets' better, and when it does, it gets better fast!"...I'm forever grateful to her for her support, among other people on here..especially Polly and Jess.
Hang in there hon, it's only temporary and as hard as your working toward your goal, things will turn around for you!
As always, we're here...

Kathy--You're going to get through this, I promise! :) It can get a little bumpy on the way, but that's when you come on here and vent to us, right? *hugs*

oh Liz...I think we need to have those words engraved on my tombstone when I die!! I think when I told you that, that was the night we became friends!!

I spoke from experience, I was there too. And I wouldn't be as strong as I am without Liz and Polly and Jessi.

LOL..Michelle, can't help bringing it up from time to time, those were the words that changed my life, literally!
And I agree, alone we are strong, but together we are Invincible!!!

You guys...My Chris and I were talking last night about my time here, and he said he thought I spent a little TOO much time here. I told him that I probably do, but it's the only way I can surround myself with people that actually UNDERSTAND...I have friends outside of here, but few of them know what it's like to dread waking up in the morning for being broke and not knowing what to do about it.

I love you guys! :)

I love you too!!!

I am so lucky to have you guys. we all spend too much time here, but what a blast!! I love the silly text messages we all send daily, too. I've made lifelong friends here..If you had told me this a year ago I would have laughed at you.

I especially like the pics, like the one of the pigs and chickens Michelle!??? ROFLMAO!
And Jess...you are ALWAYS eating, how do you stay so little????

A year ago I was a disaster....lol

I was a disaster too!!

LMAO!! I'm glad you liked the pics of the farm animals!! I hope to send more soon.

I have no idea...I don't get a lot of exercise.

Hugs all around!! You guys are the best! I just have to dust myself off and start all over again, right? I love all of you!!

you got it!! We love you too!

You guys are so awesome! I was feeling pretty bad earlier today (ask Steelers1 and Mishele, I was pretty mopey in my e-mails). I want you all to know how grateful I am for the encouragement you gave me.

KSCornell, I'm kind of where you're at right now. I was all psyched up and ready to take on all the PDLs. Then I had a minor setback, and I was devastated. Like Jessie said, it can get a little bumpy on the way, but there is a light at the end of the tunnel. I am sole supporter of three teenage boys with no child support, so I know how hard it is to be the only income coming in and how scary that can be.

KSCornell, you deserve a pat on the back, as many others on this site do, for hanging in there and doing what needs to be done. When things seem too tough to bear, I think to the future. In a couple years, you'll be better off than you are now. Always look to the future because that's where that light at the end of the tunnel is.

Just remember, you're not alone. We have all these wonderful people to turn to.

Oh my goodness, there is someone as sappy and emotional as me!! LOL..A lot of us know what you're feeling way too well. I will never ever forget it. We are always here for you. Always.

We are a bunch of sappy-rinas. :)

aren't we? I'm especially sappy right now..It's that time.

Ok, Now I'm going to cry, OK? What did I ever do without you guys? DBaker, I think what we both need is some sort of a plan to go forward to deal with this monster, right? God, it's hard...

You guys are the greatest! - sappiness and all!

KSCornell, I agree. We do need a plan. It's hard now, but we're pretty much at the bottom right now, so it can only get better, right? What do you think of Lawhorne, aka Marcia Brady? Sounds pretty promising, doesn't it?

dbaker6, I think Lawhorne sounds like a good idea. He would be the best person to have on your side, he knows these people and the levels they sink to and how to stop them. He posted that if they continue to bother the client to let him know because he has their home phone numbers and he'll bug them at home.

I know. Isn't that great? I just e-mailed them, asking about if I already paid the principal in fees and interest and they aren't licensed, if they can still help me. I'll let you know what they say. By the way, I hope you read my above post. Sorry to sound so pessimistic before. You have really been a great help!

Dbaker-I'm sorry for your rough time-I know all too well what that's like.We've had several setbacks,too. Car broke down,had to have it towed,for the 3rd time in 6 weeks,so car repair,dental bills,unexpected, and stupid LVNV again threatening to file judgement. But,today I don't get as scared and panicky as I used to. That's in a big part because of this forum and all the wonderfull friends I have made. The support here is really a blessing. When my mom was in the hospital last week,and almost died,I had 2 abcessed teeth,my friends were there for me,and for that,I am so gratefull,and blessed. So all this other "stuff",is just that,stuff.I'll get through it once again,and go on from there,and so will you! Feel free to e-mail or Pm me.Hang in there :D ...Karen

You people are all awesome! How unselfish you are. It is nice to see all your words of encouragement. I wish I had found this site when I was deep in debt and the depression that goes with it.

Thanks, Karen, for your support. That's what keeps me going is you guys. Knowing that others have gone through it and gotten through it helps a lot, too.

I read your posts, and I felt so bad for you. It's awful enough to have abscessed teeth but then all that was going on with your mom, too - that's just awful. How is your mom doing? I hope she's doing a lot better. And what about you? How are you feeling?

And you're right, all this other stuff is just "stuff," there's so much more that' important - like my grandson who was just born Friday!

Thanks again, Karen. I'll pm you.

Guest, yes, the people on this site are very encouraging and unselfish. They also genuinely care about the other people here. That's what keeps me coming back.

Guest..Thank you. You have no idea how much your kind words mean..It's what keep us going.

And yeah, everyone here is awesome! We're all here for each other, 100%. You're hard pressed to find a better group of people. I'm always proud to be a part of this.

kscornell,

Yes, there is a light at the end of the tunnel. When I came here in December, I was drowing in payday loans. I was able to find the tools and support here to get myself out of that cycle. I am done with it now and I am focusing on credit cards and personal loans through my debt settlement company, which I also found through this site. There are bumps in the road. I have had my fair share of set backs. I've taken all kinds of abuse from pdl lenders, even personal attacks from collectors on the forum. I had one internet lender follow me around the forum. It's really ridiculous what they can do or will do when they are supposedly a legitimate business. A little chuckle there :lol: Since May, I have been in a car accident, my mom was diagnosed with cancer, was in the hospital and nearly died, but like has been said, the debt is just stuff. I've truly learned what is most important in life over the last few months. I know with hard work and support from my friends here, that I am on the right track of becoming debt free. Dbaker6, believe me we all have bad days. This too shall pass !

Karen,

How are you and your mom doing?

Mishele,

How is your mom doing? My mom had cancer, too. Unfortunately, they didn't find it in time. I'm glad your mom is getting treated. Let me know if you ever want to talk. It sounds like you and Karen have both had a rough couple of months in your personal lives. I feel for you both.

Donna,

My mom has been home from the hospital for about a week. She started back on her chemo treatment today. She will be done with chemo/radiation next Wednesday. She is marking the days down on her calendar. They are supposed to schedule another appointment with her surgeon in Columbus. She does need a few weeks off between the last day of chemo/radiation and her surgery. She was going to ask about it today. She is home now and has stopped working since she got out of the hospital. She is weak but she's in good spirits. Since I've had bronchitis, I haven't been able to see her. I don't want to get her sick. She did say she missed me doing her laundry LOL! She might need chemo after the surgery but that will be determined down the road. I've been meaning to ask where Fairview Park is? I will tell you when they found the blood clot that scared me because my Grandpa (her dad) died of a blood clot several years ago. They said if they hadn't found it she would probably be dead by now. We were truly blessed that day :)

I will also say we have a deeper bond now than ever before. It really teaches you not to take the little things for granted. It has been an emotional roller coaster but we must focus on the positive things through this process. Believe me, there are some days I just wanted to cry my eyes out. When she was in the hospital for that week, I was going crazy. I was an emotional mess. You just don't want to see a loved one having to go through this. Mom is a big Paula Deen fan, she has turned me into one too, so we are planning a trip to Savannah Georgia next year. We want to go in the spring but will have to wait and see how she is feeling. She is hoping to have her surgery by Thanksgiving.

Mishele,
Glad to hear that your mom is better. Chemo can be a bear--I remember when my dad was going through the cycle. The worst thing for him was having to leave the classroom after almost 50 years as a college professor. He cried about it right before he died, because teaching was a large part of who he was.
So have fun with Paula Dean! You guys deserve it!

That's for sure. I'm so glad you're going to be able to take your mom there. I don't blame your mom for counting down the days until she's done with chemo. It takes so much out of you. I worked in a hospital and saw what these poor people had to go through. That is scary about the blood clot. They just sneak up on you, and they can do so much damage so fast. Your mom really was blessed that day. My dad also died of a blood clot. He had been jaundiced for a month, and we went to this little hospital where a doctor thought he had cancer of the pancreas and sent him over to Cleveland Clinic for an operation. They went in and found there was no cancer, he just had a blocked biliary duct, which made him jaundiced. We were so relieved. He came home about a week later. We had always been close, but it made me realize that I needed to tell him how I felt. I told him I loved him and how glad I was that he was my father, which I am so glad I told him when I did. He died two days later of a blood clot that had gone to his heart. I'm just glad of the good memories I have of him.

Fairview Park is about 10 miles west of Cleveland. It's a small city, so I'm not surprised you haven't heard of it.

Well, have fun on your trip with your mom. I hope the weather is nice for you. And let us know when your mom knows when her surgery is going to be.

Kscornell:

That's so sad about your dad. What a wonderful man he must have been. I have the utmost respect for teachers.

has anyone gotten more than 2 payday loans to pay off another payday loan?
I think I am addicted and in way too deep

:oops:
I am so fed up with my going to the payday loan places and it is affecting every aspect of my life.
It is also addicting.When I get low on money I just tell myself"go ahead and borrow and get some extra to play with"I am too old for this crap.I need a grip and this site appears to be the answer.It is good to know I am not the only Knuckel head.Thanks for the site

indeepforsure,

Welcome to the site!! Trust me, I understand your situation, I was there myself only a year ago. I got out of it, though, and life is wonderful.

You'll get out of it too. Can you tell us about your situation? What companies are you dealing with? I'm sure some of us have dealt with the same companies, maybe we can help.

Has anyone gotten more than one PDL??? Ummm Yeah!! (Waving my hand over here...) I think you'll find that you definately are not alone in that department on this site. Glad you are here.

Well here's an update on my mess. I have been talking with Marcia Brady (Dennis Williams) about his program and was debating whether to continue with the one I was in or go with him, when my program called me up and dropped me! So the decision was made--and I like to think my late dad had something to do with it, from where he is.
I have signed the initial papers and it looks like I'm going to save money while getting these PDL's off my back once and for all.
I hope my independence day will be April 20th, 2007--and will keep you all posted. Thanks for your support.

Good luck kscornell! I think you made a good decision, and how ironic that they dropped you, if that isn't a sign I don't know what is! I know your independence day will be April 20th, 2007!

kscornell, If I had the time and energy I could write a book about payday loans. I only wish that I would have found this site during all of the mess. I used over 22 loans in a 4 year period. I never defaulted but it was neverending. I thank GOD for the Attorney General in WV. I would have never got out of it. I did some figuring the other day and I am so ashamed to admit this but I paid over 9000 in interest to all of these vultures. So beleive me I know how you feel. I have been blessed to get back some refunds. I never thought I would see a dime. I can answer my phone without being afraid. There is a light at the end of the tunnel and this forum is one big BRIGHT LIGHT. God Bless KYSIDE38