Today I am just on FIRE! Yipee!

Good for you! You know, good luck always comes in threes!

So does death....lol

One thing this should do is boost me up another couple points on my CR. :)

Better late than never!! ! Good for you :D

Yep. :) Before too long, I'll be in good shape at this rate..:)

Now when I get my insurance settlement, things will go WAY good....Since I've found out I can pay the hospital directly and they'll pull the collections..I'll have very little negative left. :)

I have dealt with CBA before (i even posteed about them here a long time ago) I found them to be very honest and respectable. They seem to deal in full compliance with the laws . When they are wrong, they take care of the problems.

They don't seem to play the games that that many of the more infamous agencies play. It is for this reason that If I ever have reason to deal with them again (hopefully I won't) I will be sure and address that issue ASAP.

LessIsMore,

I agree with you 100 %. My husband and I recently entered into a debt managment program and we had some problems with the original monthly payment. I forgot to add the interest on a couple of personal loans which almost doubled those two amounts. Scarey, isn't it? Anyway, the payment went up and I wasn't sure how we could afford it. We almost stretched it out another nine months but that kind of scared us both since we want to be debt free in the next couple of years. So, we decided to bite the bullet and do the larger amount at the same length period as we first signed up with. When we can, we are going to start paying more to get these debts settled even more. We are finding ways to bring in extra money and to quit wasting money. We have been writing down our expenses, including things like buying a soda or little extra's at the check out lane at the grocery store. It boggles my mind how quickly these little purchases actually add up. We are just nickeling and diming ourselves to death right now. It would be nice to hear more success stories. Jessi, I'm glad things are taking a positive turn for you now. :-)

I was just irritated at CBA for putting me on hold so much...Seems to me they should know HOW to look up someone's account..lol But at least I got good news.

HIP HIP HORRAY FOR JESSI :D Way to go Jessi! It sure is a relief,huh?! I called Cap 1 and bit the bullet and made a larger payment plan with them. Hopefully our tax refund will pay off IRS,thak God,so I took their payment and added it to Cap 1 to pay them off sooner. I asked her to drop the interest, but she said to do that I would have to pay another 50 dollars more. I know from experience not to stretch myself,and told her,I would rather make a payment I know I can make than make plans for a bigger one I may not be able too. I plan on paying for two or three months and calling back and asking again,never hurts to ask! I thin we need to see on this forum more of how people are making progress and getting out of debt. It helps give hope that there is a light at the end of the tunnell. Keep it up girl :wink: Karen

Yes, let her see a couple of payments, and then ask again. Be very involved in this process and take control. Do things on YOUR terms.

You're right Jessi,I might just make one more and say hey,I'm making a payment plan and we could both get rid of this alot sooner if you would drop the finance charges,thanks sometimes I forget who's in charge :D Speakin of thah,I was a little too in charge at the min-mart the other day. Me,my mom,and my youngest son were at the store,I was paying and noticed that on the display as he rang things up it said deli sandwich $2.39,so I said to him,I didn't get a sandwich. He ignored me and kept ringing up,so I said it again a little louder and he again ignored me. Finally I said hey--I didn't get a sandwich,to which my 25 year old spoke up and said,mom,that is just advertisement on the screen. :oops: :oops: My son said,and you wonder why I don't go places with you :lol: So I guess I better be sure of what I am sayin or at least know what I am talking about :lol: Karen

LOL But it LOOKED like it was ringing up a sandwich..I prob. would have done the same thing...lol