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Debtconsolidationcare.com - the USA consumer forum

I guess it's my turn..

Date: Sun, 03/12/2006 - 15:57

Submitted by finsfan13
on Sun, 03/12/2006 - 15:57

Posts: 6919 Credits: [Donate]

Total Replies: 15


I had the worst year of my life last year. Where do I start? I guess all the trouble began with my Dad being diagnosed with lung cancer in October of 2005. My family is very very close, and I was devastated. He died almost one year ago, on March 28, 2005. There are no words to explain how I felt..I was closer to me daddy than anyone else in the world. The pain was physical. First I slept. I would rush home from work every day and fall into bed until it was time to get my then 6-year-old from the bus stop. Then I would go back to sleep again. I would get up when my husband got home, then went to bed again by 8. Not healthy, but normal. then my car had some problems, and we had to put quite a bit of money into it..Finally I had to get a new car. New car payments, and expensive insurance. My husband and I make decent money, but I was the one in charge of the finances..I wrote the checks, paid the bills. My husband trusted me. Months could go by without him going to the bank at all. Anyway, even with the new car, had I budgeted better, we would've been fine. But I was tired, I really wasn't thinking straight, and I got an email from paydayok. I got a $200 loan from them. No biggie, they're cheap. Then i got an email from paydayone, and I thought why not? Another $200. Still there wasn't a problem. I was irritated about the fees, but we were fine..For awhile. Then we went on our yearly Cedar point vacation. Why not do it a little better this year? $300 from quikpayday. Now things were getting tight..So I better get another loan..this time from Apple, $300. Problem is, fees weren't so cheap anymore, things were getting tight. really tight. No matter what I did, I could not get ahead. then in October I discovered ICS. $200 from them. It was 4 days before my payday, they said they would wait for the next payday. They lied. Not only did they take out the ridiculous $89 renewal fee, but they added a neat $35 one-time-only processing fee to that. I'm in trouble. Next up, Interim cash. They have a $75 renewal fee every two weeks. It's getting close to Christmas, I need to do something. I searched the web for a loan to pay these off..No one wants to touch me. You see, I kept this from my husband. He knew nothing. I was constantly in a bad mood, yelling and crying. I went from being a genuinely happy woman to a mess. I mean it, I hated me. So, because I kept this secret, I couldn't claim my husbands income to get a loan. I was in rough shape. Somehow we made it through Christmas. I bounced a whole bunch of payments and borrowed a lot of money from my Mom. By this point I was losing sleep, not eating well and just a total mess. I saw no light. Finally after New years I put a stop payment on 3 loans. That made a big difference. Then two weeks after that I closed my account and opened a new one. At this point I had to tell my husband the truth. I had put my husband and son through complete misery. That hurt. My husband was very understanding..Yes, he was angry, yes we fought. But he loves me and he helped me. Now we have money in the bank again. My husband taught me to budget better, my loans are being paid in installments, and I can enjoy that new car of mine! Life is fun again.


I very glad your story had a happy ending,Its very hard to lose a parent,I know,I have lost both of mine.When my friends talk about their parents,I feel strange,because I dont feel like Im old enough to not have parents anymore,my kids are way to young to not have any grandparents,but life must go on,and Im sure your dad would be very proud of you,and happy that your life is fun again.


lrhall41

Submitted by twokidtwocat on Sun, 03/12/2006 - 16:08

( Posts: 602 | Credits: )


Good evening,
I quess it would help if I intorduced myself, I became a member about 4 days ago and my name is Susanne.
I have been blessed that I haven't lost anyone in my family, however I am divorced,single pareent. I do live with someone however I do not know if it will last.
I was doing fine up until about 5 months ago with my first paydayloan, it was when I needed to pay some bills after I went on vacation after the 1st time it seemed ok I was able to pay the 1st in full but had to renew to pay for bills again. 1 lead to 2, 2 to 3 etc.. I now have about 6 loans out, Ive borrowed from my parents and siblings which, when tax time came I paid them and 2 of the loans however, I am now so deep in these loans I cannot seem to get out. I haven't told the person I live with due to he is also divorced with his childs support and house. (so I will not ask hime to help) I am now worried about paying the utilities because these damn loans have caused me to be over drawn and I do not get paid again until 3-24. I do not recieve enough child support from my ex. (Child Support Recovery hasn'e really help they take 20% of my check every week which leaves 53.00 for me).
Anyway that is my story , I need some good advise. I do know hat I have to close my account and stop my direct deposit but will I be able to close the accoutn with a overdrawn account do to these loans I'm over 300+
Susanne


lrhall41

Submitted by leteaglesfly on Sun, 03/12/2006 - 18:53

( Posts: 10 | Credits: )


I lost my mama 16 years ago when she was 46. so young, huh? Next year I will be 46 and the next year---well, I will have out lived my mama. That is really weird and makes me feel sad and guilty. Every year on my birthday, I cry. Because I think of the woman who gave birth to me, is no longer here. I no longer get to hear 'happy birthday' from her. I miss her terribly. She died from stomach cancer. had a thing about going to the doctor, she was an LPN nurse so she had to have recognized the signs. If she had of went, it could have and probably would have saved her life. :cry: But I think it may have had something to do with us always being poor and her not wanting to spend the money on herself rather than it going for the family so she always put herself last. Of course one time, I remember I was in second grade and went around three weeks with a broken arm. My mom tied it up in a cloth diaper for a sling. hard times.


lrhall41

Submitted by imkimssister on Sun, 03/12/2006 - 20:46

( Posts: 1301 | Credits: )


Susanne,

I would definitely look in to the debt consolidation program. If you sign up for it at this website, a counselor will give you a call and help you out with the mess you are in. I'm sure that somebody here will send you a PM with more information on which debt consolidation companies can help you with payday loans, some of them don't. Stand by and somebody will see these posts and get a hold of you. :)

~Mary


lrhall41

Submitted by Mary on Mon, 03/13/2006 - 09:10

( Posts: 1344 | Credits: )


Shirley,

I am so sorry that you lost your Mom when you were so young. Telling about her explains why you are so sweet, she taughts you to put others before yourself. That tells me why you are who you are :) I lost my Dad when I was 14, he died right in my arms, in a car accident. I miss him just like you miss your Mom, so I know how you are feeling. :( *hugs*

~Mary


lrhall41

Submitted by Mary on Mon, 03/13/2006 - 09:12

( Posts: 1344 | Credits: )


Fin,

You are becoming a very active member of the forum. It's so great to see. I can relate to the stress and misery this causes us, especially when we don't share the details with our spouses. If you were like me, I was afraid of the consequences. I finally broke down and told him awhile ago. He was very loving and supporting of me. It took awhile to find a real solution to the payday loans. I am so grateful I found this forum. I have done a lot of research on this and my husband has crabbed about it a little bit. When something positive happens, he is very excited for me though. Our relationship has only gotten stronger and I'm not afraid to share my story with others now. I am still fighting with a couple of lenders but they are accepting payments through T &C. Isn't it nice to know that there is a light at the end of the tunnel?


lrhall41

Submitted by Cow & Chicken on Tue, 03/14/2006 - 13:42

( Posts: 3571 | Credits: )


I am so glad to hear that life is going more smoothly now. I am sorry that you lost your precious father. I have not lost either of my parents, but when they divorced it was very similar to experiencing a death in the family, so I can kind of relate.

It sounds as though you were in a deep depression after this (obviously). Depression can cause you to make unwise decisions among other things. You however are lucky and are a survivor and there is an end in sight for your financial worries. Doesn't it feel good to not have to worry so much anymore?


lrhall41

Submitted by Lorri on Mon, 05/08/2006 - 12:30

( Posts: 1721 | Credits: )