topic Re: Don't let credit troubles kill you!! in General Credit Topics

Don't let credit troubles kill you!!

Anonymous — Wed, 11 Jul 2007 03:02:30 GMT

Hey All,

Eve here. Just got off my another site about debt. Sad story about a man who had a gambling problem and lots of debts he couldn't pay. Per his wife, she says that the collection agencies, riverboat gambling co., and their attorneys harrassed her husband so horribly that he commited suicide.

Please don't let your credit concerns bring you to this. Do what you can, take one step at a time, be prayerful and know when to let go. Your lives are so much more valuable even in the current credit state that you are in as opposed to you not being here. You sticking it out and working through your issues and telling your stories and keeping the repore going on this forum will most assuredly help you and someone else who may be at the point where this guy was three years ago.

Remember your value.

That's all. This really hurt me when I read it because I know how CA's and companies can be.

Stay blessed all

Eve

Re: Don't let credit troubles kill you!!

Anonymous — Wed, 11 Jul 2007 03:04:04 GMT

good post, hearts....

Re: Don't let credit troubles kill you!!

Anonymous — Wed, 11 Jul 2007 03:08:04 GMT

Thanks, Dog... This credit thing is so serious and so devastating to peoples lives. I think that many of us were never really taught the true value of having good credit, paying bills on time, because we really didn't know or our parents didn't teach us, or we knew and just didn't do any better.

Thank God for second chances.!!!

Re: Don't let credit troubles kill you!!

Anonymous — Wed, 11 Jul 2007 03:34:40 GMT

To be totally honest, I've considered - more than once - ending it all to get out of this miserable existance. If my DH could still collect on my life insurance, I probably would've done it a while ago.

I'm currently working two jobs, and looking for a third. The guilt I feel is absolutely crushing. And everytime the phone rings, I run to answer it so that DH doesn't. He has no idea what's going on.

The really sad part is That I am totally alone with this. If my DH knew the extent of our debt, he would probably leave me, and I wouldn't blame him for a second. But I love the guy, and want him to stick around. So I work my a$$ into the ground hoping that eventually we'll be back to where we once were. The real kicker is if my (our) UTIL was reasonable, we would have sky-high FICOs.There's no GW, DV, PIF or PFD that can help. The only thing that makes a difference is paying money. I'm really tired. Somedays, the stomachache and guilt and worry are pretty overwhelming. Make no mistake. It's all my fault. Nobody else's. And I have to fix this.

I'm really glad to have happened on this forum. I appreciate everyone sharing their stories and stratagies.There's definitly a good vibe here.

Re: Don't let credit troubles kill you!!

Anonymous — Wed, 11 Jul 2007 03:41:46 GMT

Hey Montana,

I'm WOWED! by your honesty. You better stay the course now. And stop thinking like that!

Re: Don't let credit troubles kill you!!

Anonymous — Wed, 11 Jul 2007 03:48:28 GMT

Tex,

Don't beat yourself up over this because it is not helping you, now is it? This is not going to change your situation and trust me I know about keeping a debt secret. Can I share? In 2001, we were so badly in debt that creditors were calling us at work, at home, sending letters, you name it, they did it. DH didn't really know the extent of what was going on because he worked at night and that is when they called mostly. Called my job all day long, every other ring. So, I decided to get smart and take out a personal loan without telling him you know robbing Peter to pay Paul. Well, that didn't work, ended up having to file BK7 and didn't know how to tell him. Started affecting my health, knew he would leave me if he found out because he thought filing BK was a disgrace. SO, I wrote him a letter and I kissed him real good before he went into the room to read. I heard him ball the paper up and throw, he came out the room, looked at me with disgust and didn't speak to me for 5 days. That nearly destroyed me because we had a great marriage however not communicating with him about something so important as our credit put a wedge between us and he was going to leave. I prayed and I mean I prayed to God Almighty to save us and our marriage. Sunday that week we were going to church and I told him I couldn't do it anymore and I broke. Cried a ocean, forget a river, poured out my heart, confessed what happened and could he help me get this right would he support me? He hugged me, that was all the answer I needed. That was 7 years ago, still going strong and talking about everything, good or bad because that is what marriage is about. Trust that your husband will do the right thing and that he loves you more than your mistake because he will find out and killing yourself working all these jobs will eventually make him suspicious anyway. It will be the way you bring it to him that will make or break him. Be humble and transparent,no walls and no secrets. Keep striving YOUW

Re: Don't let credit troubles kill you!!

Anonymous — Wed, 11 Jul 2007 03:58:20 GMT

Message Edited by myhearts07 on 07-10-2007 08:58 PM

Re: Don't let credit troubles kill you!!

Anonymous — Wed, 11 Jul 2007 03:59:49 GMT

Thank you for sharing with us. No matter what don't give up fighting. You are one tough cookie. Your stregnth is admirable and your dedication to do what is right is commendable. Keep up the good fight and all your hard work will pay off. Your husband is very lucky to have a Woman who will take care of her responsibilities. You are truly an inspiration. Keep us posted on your progress.

Best,

Cecilia

Re: Don't let credit troubles kill you!!

Anonymous — Wed, 11 Jul 2007 12:02:10 GMT

Hey Montana - keep up the good fight, you will get there. I am sorry for the grief you are going through but it WILL get better. Stress is so bad for your health as you know, and it isn't worth it. Sounds like a lot of us have been there; take baby steps, one day at a time and worry about what you can control, not what you can't.

Good luck, God Bless & Keep with us!

Re: Don't let credit troubles kill you!!

Anonymous — Wed, 11 Jul 2007 12:26:36 GMT

TexMontana wrote:
The really sad part is That I am totally alone with this. sharing their stories and stratagies.There's definitly a good vibe here.

TexMontana

Hey, hang in there - your not totally alone, please keep us posted... Keep counting those LITTLE victories and they will all eventually add up to the BIG one.... you'll make it - maybee not overnite, but we all know that, Right? Give me a shout if you ever want to talk.. Good Luck!

ctRob

Re: Don't let credit troubles kill you!!

Anonymous — Wed, 11 Jul 2007 12:41:30 GMT

Myheart and montana you are both very brave and just the fact that you both felt it was ok to share on this forum is testament to the fact that this forum is a blessing.

Montana you are not alone you have us Good advice and the occasional good laugh.

I would say though, trust in the love that you and your husband have. I'll leave it there.

Get on here and let it out anytime you feel. I do.

Re: Don't let credit troubles kill you!!

Anonymous — Wed, 11 Jul 2007 12:41:50 GMT

keep your head up and never give up!!!!

Re: Don't let credit troubles kill you!!

Anonymous — Wed, 11 Jul 2007 13:06:15 GMT

Hey, everybody!

Thanks a million for all the support and above all - the understanding. I really apprciate you all. I'm not usually long on the self pity - I AM pretty tough. Mostly I am embaraased and ashamed of how much I've messed up. And truthfully, I'm a very smart gal - especially when you talk finance and economics. So that just makes me all the more embarassed.

But you are all right - it's the small victories, and yeah- they are happening. I am greatful I have such good health and that I am able to work! Not everybody has that blessing.

I can't wait until the day I get to post my success story here. I love reading how others here have come through to a bright new world.

Have a good one!

Tex

Re: Don't let credit troubles kill you!!

Anonymous — Wed, 11 Jul 2007 13:13:14 GMT

Hey girl,

Everyday we all wake up is yet another small victory that credit and life circumstances can't take away. Yes, Lord, its the small stuff that will really help us appreciate the big things coming our way!!!

Be blessed

Eve

Re: Don't let credit troubles kill you!!

Anonymous — Wed, 11 Jul 2007 13:14:49 GMT

I have two jobs too to help me accelerate my payments to my friends who helped me out last year in getting debt free.

But work is slow in the summer. So, I pretty much have my regular job until fall comes and i get loaded with weekend work.

Re: Don't let credit troubles kill you!!

Anonymous — Wed, 11 Jul 2007 13:17:11 GMT

What a blessing to have friends who are willing to help you to get debt free. I can't even get money from any of them, they are all broke.. Pray for them...

You will be great, sounds like they are patient, caring and understanding people..

Re: Don't let credit troubles kill you!!

Anonymous — Wed, 11 Jul 2007 13:21:01 GMT

I went thru some pretty rough times in the last two years...homelessness, car broke down, lost my job. Last year to try and catch up, I worked 3 jobs. It was absolutely horrible. Working 20+ a day on 2 hours of sleep. It seems inhuman, but when bill collectors are beating your door down,I understand that stress. I was miserable and extremely cranky, my boyfriend hated me during that time because I would freak out at the drop of a dime (2 hours of sleep consistantly will do that to a person), but anyway, we both got through it. Times will get better, even when they look so bad you don't think it's possible. Just keep at it and everything will work out, and you should communiate your debt problems with your DH, the stress off your back and his support will help tremendously. Well, Best of Luck. I know you'll get there eventually.

Re: Don't let credit troubles kill you!!

Anonymous — Wed, 11 Jul 2007 13:38:51 GMT

Tex and Heart,

Thank you for sharing your stories. I am so sorry for all that you both have been through, and it has been said already...you are not alone. I think most of us here on this board have been through the ringer with the credit situation, bill collectors, embarrassment [sp], humiliation, etc...From personal experience, it does and will get better, but you can never give up. Hey, we all make mistakes. Life is a learning process and hopefully, we learn from our mistakes. You have support here...use it. Everyday, there are little victories and there are little setbacks. Move on with the victories and forget acout the setbacks.

Anyone from NH here? I am not, but I love their state motto, "Live free or die". I probably take it out of context a little bit, but there is something to that statement [I have it posted all over the place and even have my front license plate stating it]. I take that to mean that our lives are ours to do with what we want. We have a choice. Not only living free from physical imprisonment, but emotional and psychological as well. Don't emotionally or psychologically imprison yourself, set yourself free and live. That's my take. Good luck and keep us posted. Sending good vibes and prayers...

Re: Don't let credit troubles kill you!!

Anonymous — Wed, 11 Jul 2007 13:42:19 GMT

Just when I put the tissues up, here you go, waaaah!!

thanks

Re: Don't let credit troubles kill you!!

Anonymous — Wed, 11 Jul 2007 13:48:09 GMT

Live free or die!

I love it!!!

If NH wasn't so darn far up north and cold as a frozen biscuit, i'd consider it.

Anyways, that was cool and its sooooo true.

God certainly didn't put us here to live under the bondage of anything and CERTAINLY not debt and/or bad credit!!!