Nervous

I had to swallow my pride many times when I was younger and ask for help. Now that my kids are grown, if I say to them, always come to me for help- I mean it!

Your parents know that everyone needs help at one point or another. Let them help you out.

Are thes debts pdls or credit card debts? They may call your references, but they can only verify where you live, etc, if I am not mistaken. They can't give out info on your credit, their collecting, etc.

Send out the documents you need to send-make copies, and go from there.

As to guest, or others nasty comments or put downs- PM a moderator, and they will take care of it!

Good Luck-keep us posted..KAren :D

IMK
I defaulted on 7 loans, and I can honestly say that not one ever called my references. Of course on the last two, I put down phony people and numbers. Still on the 5 that did have real references, no one ever called.
You will not disappoint anyone. You made a mistake, and now you are trying to correct it. It is a good thing you are doing , not a bad thing. How lucky you have been, that you have such good people in you life.Your parents sound like terrific people.

Thanks guys! My parents are wonderful people. I've been very fortunate to have them in my life.

PDL's of course. I know my brother & sister have been in situations that my parents have helped them out in..so I'm not sure that they would ever say anything to them if the pdl's were to call them.

Thanks for the support guys!! It means a lot!

Hi lmk-It happens...its happened to me and many people here on the boards. Like bossy said, sometimes you have to swallow your pride and just know there is a light at the end of the tunnel!

As kash said, I too have put down phony references but my real ones have never been called.

Please be sure in your letters to specify to not call you OR your references.

Cannr was awesome & provided me with a letter that covered every angle that could be thought of! So I think I'm pretty safe there.

You are welcome- don't hesitate to ask questions, we are here to help!..KAren

IMK3524, Hey we all make mistakes and sometimes over and over again. Lord knows I have finanacially. And it seems that I have that same mind frame you have, but it comes down to having peace of mind or staying in that financial rut. If you parents said trust me they meant it. GO ahead get out this and move forward from here. Some of us don't have parents to go to YOU DO!!

HEY IMK3524, yes Cannr is great!!! But letter was that. Because I am trying to get out the PDL cycle. I am currently trying to get rid of them and sending letters as well.

I'll email it to ya.

ok i sent it..check your messages thanks lisa

cannr if u're out there...i hope it was okay to pass on your awesome letter???

I also was nervous about sending my letters but I did it and I haven't had any calls to my references yet and it has been over 2 months since I got into trouble with my pdls. I am a very private person when it comes to my finances so I know how you feel. If you need any help with letters I can send you one I used. Hang in there and don't give up.

That was me who left the message as guest. I forgot to sign in .

oops..guest did u forget to log on???

stanner thanks for the support!!

Yes I forgot to log on, I though I was still logged in . I've been having prolbems with my password, I have changed it two times already and when I log in it won't let me. Anyone else having this happen?

I haven't yet & I've been logging on & off all day. Sorry to hear you're having problems. Maybe send Vikas a PM letting him know you're having problems.

When I first signed up for this site last week to get some help in getting out of the mess I got myself into with pdls. My parents had no clue what was going on down here with me. My mom said she thought something was off but I would just deny it because she had already done so much for me I didnt want to go to her again, I wanted to take care of it on my own. Well, I ended up almost having a meltdown on Friday and my mom ended up driving 5 hours and 300 miles down here to get the whole sorry mess out of me on saturday morning and then sat down with me and proceeded to work out a game plan. She got a loan so that I could pay all the pdls off as well as clean up my credit report that has collections accounts on it. Her words were I understand what you were trying to do but in this instance I wish you would have come to me and it probably wouldnt have gotten as far as it did. Cannr was the one who advised me to fess up to my mom about what was going on and I can honestly say I am glad I did. I am now on my way to getting everything paid off.

Thanks for sharing that with me. I wish my parents lived that close. Mine at 900 miles away in NM. I'm going to see if I can get this taken care of myself...things have a strange way of working themselves out..if they are meant to know then they will find out.