Posted by Penny on August 6, 2003, at 7:44:13
In reply to I'm a spendaholic, posted by Dinah on August 5, 2003, at 20:53:29
> And tomorrow, my debt consolidation loan will go through. And I will cut up my cards and cancel them.
>
> And I think my minimum expenditures are more than I make. I need to either work more hours or find some way to cut expenses. But I'm only counting the minimum expenditures, so there's nothing to cut. Except therapy. And even that may not do it.
>
> So I need to work more hours. But I have come to the sad conclusion that this *is* as good as I can do, workwise. But I *have* to do better.
>
> I'm not in a good place today.
>
Totally right there with you, Dinah. I went to a credit counseling agency here (a legit one) and they told me I should consider bankruptcy. I simply don't bring in enough money to cover everything I need to pay. And I'm salaried, so I can't work overtime, which means I have to find a second job.So, I went to a bankruptcy attorney and she advised me that because I have no real property I could just stop paying on my credit cards. And I paid her to communicate with my creditors for me so I wouldn't have to take the phone calls from them. They will probably all take out judgments against me and then I will have to file paperwork to make sure all of my property is exempted. Joy. So far this hasn't happened, but it will in due course.
Of course, you are probably in a much different situation, assuming you own property that could be taken from you if you don't pay those bills. Wish I knew what to tell you. I currently still, even without paying the credit cards, don't bring home enough money to pay for everything I have to (car, car insurance, cell phone, utilities & rent), not to mention all the other things I NEED such as food, tolietries, medication, therapy, doctor bills, vet bills, etc. I told my therapist last night that I really need to cut back on therapy - I certainly can't afford to see her twice a week at $34.40 a pop, nor can I really afford to see her once a week. She wasn't too keen on this as I just got out of the hospital and she said she wasn't comfortable only seeing me once a week or less. So, she's lowering her fees for me in the meantime. My pdoc's already waiving his for me, so he's accepting only what the insurance is paying him. I hate having to ask them to do that for me (technically I didn't ask, they offered), but my only other option is to end treatment altogether, and I don't think they would let me do that. Still, I don't know how I'm going to swing therapy even at a reduced rate or medication...and my dogs need to go to the vet...
(((Dinah)))
I really hope things work out for you. Money problems suck big time.
P
poster:Penny
thread:248407
URL: http://www.dr-bob.org/babble/social/20030727/msgs/248533.html