So many bad choices. What now?
Date: Sun, 08/19/2007 - 07:00
Now i have several maxed credit cards and a payment due to citifinancial. I am barely skimming by, so much so that i dont know how i am going to eat the next few weeks.
To top it all off, i took a payday loan from a company called USFastCash that i now know is illegal, i dont know what to even do about it..
My total debt is approxamitely 22,000$ or so.. roughly
rough estimates owed
7000$ on my car
4500$ chase
500$ paypal
750$ capital one
1700$ un named credit card
9000$ citifinancial (if paid early)
1500$ Best buy
300$ Dillards
Im at a loss, not to mention im about to be unemployed.
So many bad decisions, and i dont know where to go.. I wish i could run away from reality but it forces me to come back every second of every day. I want to cry because it would more then likely made me feel better, but i am to strong sometimes to let myself. I wish i could just dissapear.
My credit score is fine probably a 720 or so. But like i said i am dwindling on the brink of destruction..what to do, what to do.....
Also
i owe 390$ to USFastCash but im trying to figure out how to get my direct deposit into another account because i already know from reading on the board they will keep debiting no matter what. They debited 90$ without saying a word last pay check
ok...crying isn't going to make you feel better...you didn't get
ok...crying isn't going to make you feel better...you didn't get into this problem overnight so it will take a while and some hard work but you can turn things around. If I were you I would cut up the credit cards immediately. You need to contact your consolidation company immediately and explain the situation. Then contact US Fast Cash...they are not too easy to work with...how much have you paid back to them?? Just the $90 they just took?...they will continue to debit that until you block them at your bank. That's the next thing...explain to your bank and tell them it is fraudlent activity as you have revoked their power to debit...you can send them a letter to do that...you are just about to lose your job?? Are you actively looking for another??
We all make mistakes and sometimes more than once...but you can turn this around if you are diligent and really want too. Keep posting any questions you mave have and we will do our best to help you through this...
In the situation i am in i cannot neccesarily actively search fo
In the situation i am in i cannot neccesarily actively search for a new job. I do not know exactly when i will be jobless, so i am unable to tell a new employer when i would be able to work. Nor am i able to start a new job now.
..that's a tough spot to be in. PLease keep the faith....where t
..that's a tough spot to be in. PLease keep the faith....where there is will there is a way...let us know what other info you might need to help get going in the right direction...