Hubby's Debt Consolidation Process

Good for you for keeping such a positive outlook on things! I hope other people read your post so they can see that even though the road to recovery from PDLs can be long and tedious, if you stay on top of things, you can keep it under control. I'm glad your husband got to keep his job, and I hope you have good luck with your car loan company. :-)

The PDL situation is now taken care of and now we can crawl out from under the other debt. One day at a time and things are slowly getting better for us. Thanks for the words of encouragment. :)

Also, I am disputing something with one of my hubby's other personal loans. I paid it off last month and now they say we owe more money. Not by my calculations so I asked them to send me a payment history so I can go over it with mine. When I called last month, they gave me the pay off balance so that's what we paid. We'll get it figured out though. :P :P :P

Yes you will- I swear, you are like the Wonderwoman and Superman of dealing with these people. When I first joined this site, I spent a lot of time reading your posts and the research you had done; it's us who should be thanking you. Maybe you should have your own talk show :-)

Awe, that's sweet :-) I really haven't been doing that much research over the last few months but others have stepped into those shoes and filled them just fine.

Now, I just have to wait and hear back from my debt settlement company regarding the conversation I had with my car loan company a little while ago. They said they can refinance my car loan even though I'm in debt settlement and the bad marks on my credit report right now. They said they would need proof that I'm in debt settlement, no problemo. They need this because it's not referenced on my credit report and they have to check my credit report, no matter what. Also, since I don't want to borrow anymore money she didn't seem to think that this would be a problem because I have always been a good customer. I have a long history with them so I guess that helps me. She said they would have to turn it over to their home office but would put the notes on my account to let them know the situation. I just need to know if I can have the hit on my credit report right now. If it's a go, then I wouldn't have to make a payment until December and this would give us some much needed breathing room. :lol:

I applaud your positive attitude, Mishele. When I was looking for help before I signed with a debt settlement co, your words of encouragement helped through the process. I thank you so much for that.
I had to wheel & deal with my husbands car loan company. They were ready to repo the car. I got that settled. I need the car as my Jeep lease is up next month & I will be driving his car, against my better judgement. It is a little sports car, & I live out in the country in Michigan. Thats why I leased the Jeep, but at this time, we don't need & can't afford 2 vehicle payments. He is in Germany working, so his car is available. I will just grit my teeth & drive it.
I got a small part time job yesterday! I start tomorrow. It is only 2 hrs a day, 5 days a week. It is cleaning up the lunchroom at a local school. It is only 4 miles from my house, so that is convenient. Due physical problems, I'm limited to the hrs I can work, so it may be a small job, but it is still a little money on top of my retirement!

Mary Ann,

Thanks for the kind words. Congrats on your new job! I think that every little bit helps. I will be doing demos this fall and winter on the weekends as well to help out with our debt. I understand about the car situation. I'm driving a different vehicle this winter as well and I have a 45 mile commute to work one way. I can stay with my mom if the weather gets too bad and that's only 15 minutes from work for me!!

Well good news, there was no problem with the refinancing on my car payment since I didn't borrow any additional funds. That would defeat the purpose of what I am trying to accomplish. So, I will do the paper work on Tuesday and I won't have to make another car payment until December. This gives us a little bit of breathing room and really won't penalize us that much. The payment is also cheaper as well :)

Congratulations Mishele! Sounds like you will be saving money, that is good news!