Bills, Bills, Bills and more Bills

Sounds like you are well on your way to financial recovery! CONGRATULATIONS! I just paid off one card, and when the check clears, I will close the account. I was told the opposite…. Open accounts that you have paid off but haven’t yet closed count against you. They see it as “it’s there and I may use it.”

I will try and pay off another one next month. Then I won’t have any credit cards, just the monthly payment to my debt settlement company. Neither me nor my husband work… we live off the monthly Workmens Comp check he gets, which barely pays the bills. This past month we did without groceries, so I gotta buy food this month. I am looking all over the net for frugal recipes that we will both eat. I didn’t even have $$ for cat food this month so I been cooking a couple eggs a day for our cat… (they are about 2 months old, and while I wouldn’t eat them myself, the cat seems to be doing ok with this diet.

I will never get onto this situation again. We also have charged up our cards with the hopes of making the money back before intrest accured on the cards….. BAD IDEA……. NEVER COUNT YOUR LITTLE CHICLETS BEFORE THE EGGS HAVE HATCHED AND THE CHICLETS ARE HEALTHY AND THRIVING ON THEIR OWN. IN 4 more years, I hope to have all my bills paid off and have a nest egg. Lots of sacrifices to make I know… but I want a house one day.

Here is one that may be helpful for someone here

Ok here is one that may be helpful for someone here other than continuance. FOR THOSE OF YOU WHO MAY NOT KNOW:

A CREDITOR CAN:

  • CONTACT YOU BY PHONE
  • CONTACT YOU BY MAIL
  • CONTACT YOU IN PERSON

That last one scares me, but I try not to worry about it too much. #1 can be fixed pretty easily… Get caller ID or have your number changed altogether to unlisted. I did.

A CREDITOR MAY NOT:

  • CONTACT YOU AT WORK IF YOU HAVE GIVEN THEM INSTRUCTIONS NOT TO
  • DISCUSS YOUR DEBT WITH YOUR EMPLOYER
  • CONTACT YOUR FAMILY TO DISCUSS YOUR DEBT
  • POST YOUR DEBT PUBLICLY

I used to have a list and will post it here if I can find it. But these are the main ones. And if you happen to answer the phone and it’s a creditor, you have the right to ask them that they only contact you by mail, and if they call again, they are in violation and you can contact the PFDC (Partners for Fair Debt Collections).

In some cases they can be fined, and you MAY be entitled to a judgement against them. Most won’t contact you by phone again, but it is good to know that this law is there for the creditors that harrass us.

I just feel like a slave to my husbands child-support!

Hi. The slave part was a joke. I just feel like a slave to my husbands childsupport! Me and my husband have recently moved back to Ca to be closer to his kids. His ex is the typical stereotyped alienator and it has been very hard for him to keep contact with his girls living in another state. Also since the court base childsupport on visitaion we thought we could see the girls more and pay less childsupport.

I of course had to give up my job to move here so actually im just a unemployed somebody right now! I was working in the semiconductor field.. O did I mention my hubby pays 2000 a month in childsupport so his kids can get pedicures every month! And the tormentin his ex part is simple I torment her by just being alive and happy. She cant stand that he got remarried. Even though she also got remarried. I also have an ex hubby who pays me 200 a month in childsupport. And I fly the girls back to see him every two months. At my own expense because I feel guilty about taking them away from him so that my new hubby can hopefully bring his family back together.

I truly do not understand woman like my hubbys ex who can not be happy with there life unless there torturing someone else! BTW my hubby is a part of this club too his name is alan00038. Ok ive babbled enough about myself. Im sure you will be hearing from me everynow and then probably soon since my hubby is supposed to go back to court for contempt end of this month.