@Math_Rocks wrote:I despise being in debt and at the mercy of discompassionate bleepity-bleeps and knowing I contributed to getting myself in this situation.
I agree with you. I am glad I have no more debt, it was the best decision for me and my circumstances. I needed to change how I think about money and everything else I valued in my life. But you have to remember you did NOT contribute to getting yourself into debt. You are ENTIRELY responsible. And that is ok. Accept your debts or lack of them as something that is 100% under your control and you can make any changes you want. With enough time and money of course. 
Use that hate of debt to get out of it and never return Then you gain something from this experience that benefits your life.
@Anonymous wrote:Not to make light of your situation, but......... Tell us how you REALLY feel...... lol
M-R, I saw your other post and know you aren't home at the moment. Want me to find you
a backdoor number? I'd be happy to try, and maybe someone besides the newly-hired
CSR can do something for you. It's certainly worth a try?
D-R
ETA: Barclays/Juniper: 866-750-6031 (Corp. Offices) Found it!
Thanks D-R! Got back last night and decided to try to regular customer service line and talk to a real live person. (I'm wondering if a human even looked at my email.) She had to talk to a mgr but said the charge would be taken off within 72 hours. Score one for our side! 
scorerise wrote:I agree with you. I am glad I have no more debt, it was the best decision for me and my circumstances. I needed to change how I think about money and everything else I valued in my life. But you have to remember you did NOT contribute to getting yourself into debt. You are ENTIRELY responsible. And that is ok. Accept your debts or lack of them as something that is 100% under your control and you can make any changes you want. With enough time and money of course.
Scorerise, I appreciate the sentiment and I am someone who acknowledges and takes responsibility for my actions. Without getting into a long story, pieces of which have appeared throughout these forums, I had two deaths in my family 18 months apart, extensive medical/hospital bills for DD, and the RE market crashed when I graduated and got a job down here so the only way we could (ethically) get out from under our former house was to sell it not only for far less than it was worth but also less than we owed. Many people were mailing in keys and walking away but we chose to take on additional debt (basically max'd everything we could) and honorably discharged the old mortgage. So, I feel like we are in the situation we are in partly b/c of stupid decisions on our part and partly because of circumstances that were far and away beyond our control.
Now that my schooling is done and I have a very secure job, DD hasn't been hospitalized for two whole years (somebody knock on wood for me) and DH is about to start a better paying position, my top two financial goals are to pay down debt and get money set aside so that "circumstances" cannot de-rail us so easily in the future! I appreciate your good will and example of getting these things done!
God bless!