crazy money

nobody here will judge you beals2.in fact in might find that there is a few of us who can relate to your situation.so don't feel ashamed or bad.we are all friends here.i find your story kinda a feel good story.you coming back from all of that.i'm happy for you beals.

thanks, paul :)
this board was helped me in soo many ways! thanks again for all your help with Nelson, Watson. Once my debt is paid, I am probably going to be able to cut back on my second job and go to school again. I have found out that my job offers tutition reimbursement for college so even if i get an associates could boost my earnings. i was going to school to be a history teacher in the past but am really interested in social work or maybe being certified paralegal (i do legal work now but am basically just data entry, preparing documents, etc) i don't know, i thought it might be neat to help people out while making a living (i always have). i know there's not a lot to made doing stuff like that but i could advance in my current job with that kind of work and at least double my salary which is more than enough to stop this constant struggling with money.

edit to my first post: the hospital bill was $14,000 on top of $12,000 and about $1500 in growing payday loans. i really did everything i could to prevent bankruptcy. i just felt that i should make this clear because i do feel guilty for the bankruptcy.. i mean, i have learned so much now and see there would have been better ways but i was just so scared of being sued. i guess you live and learn..

Bea2ls- don't feel guilty or stupid. You have recognized what got you into debt, that's what it is all about. I got out of debt along time ago, but didn't change the way I lived, choices I made, etc., and got right back in.

There is nothing to be ashamed about having problems with depression or mental illness. My oldest son lives with me, is 34 years old, had a breakdown about 5 or so years ago, and now is on disability. He will never be able to work again or be on his own, so I applaud you for trying to make your life better.

I think it would be a great idea for you to get back in school. It also helps with self-esteem, let alone finances, down the road. You would be great in a "helping" job, since you have been down the road alot of us get on.

Don't feel bad about bankruptcy, you do what you have to do to survive.

Good luck to you. Keep posting here. Your experience will be able to help others in the same position..KAren :D

recognizing that you had a problem and working on it was the biggest hurdle.

Good for you and just keep taking it one day at a time!

thanks for everyone's support. this board has helped me so so much with finances and other stuff, too, actually. it's really heartwarming to see how "strangers" can come together and spend time helping people out.

Ok, so I went into a debt management program with moneymanagement.org about 5 years ago. I managed to pay off all of my debt within about 4 years! Come to find, (this is awesome news) that because I completed the program in the time allotted, they owed ME some serious $... I received a check for 500.00 initially, then a check for 3500.00.. so I think I'm dreaming and I wonder when I'll be waking up... but low and behold they said it's mine!!! I cashed the check over a year ago and was able to actually go on vacation. Then, just Saturday, I received yet ANOTHER check for 250.00!!! All this was just the interest and late fees I had paid over the course of about 10 years... so keep your head up, and look into the fine print, you just might get lucky :) Good luck!!

Yes noticing that you had a problem, you stepped up to the plate and made things right and set yourself down the right road this time. Hope all is well! Hope you have learned from the past so you dont make the same mistakes.

thanks i do not make the same mistakes :) i am just pretty low on money these days and its hard but none of the debt is really new and i keep to myself, no bad company :)