lowermybills...anyone tried this?
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lowermybills...anyone tried this?
| Wed, 12-01-2004 - 8:48pm |
Ive seen this place online and was wondering if anyone here has tried it...I have to do something things are way bad and im not doing so well..its very scary and I dont know how to get out of this...I have a pile of bills sitting here that im going to go through and write down and get it all on paper...ive had over 10 calls from creditors today..ugh!! there will be no xmas this year due to all the debt...we had no food so I used some bill money to get some food for me and my daughter...I know there has to be an end to this somehow!!!

Slowlydrowning, I think we are twins. I'm 37, have a teenage daughter (also a nearly 20-year-old son, but he lives on his own), and oddly enough, I even owe the same creditors that you mentioned (Orchard Bank, Dell, Capital One). I get calls also, and just when I get one paid, another falls behind. I have recently taken a second job (I've been there a month), but the extra checks aren't helping me pay ahead because I'm still trying to catch up. December looks bleak for me because I have all of the ordinary bills, plus I have car insurance, property taxes on my car, my daughter's 16th birthday, a baby shower (it's immediate family or I would skip it), and then Christmas on top of all of that. I've already talked to my daughter and she understands that Christmas may not happen on schedule, and I will probably have to get her gifts a little later when I get more caught up. I still have to buy something for my son and a couple of others, and I'm not sure how I will do that. I pay the essentials (rent, utilities) and try to keep enough food in the house, but we don't buy meat or soda pop, no extras. Credit cards are paid as I can, but most are at or over the limit, so I'm kind of spinning my wheels there. If I pay $100 on a card, and $70 goes to finance charge, and another $29 to overlimit fee, that only lets $1 go towards paying it down, which is just stupid. I'm trying, but it's hard to feel anything but hopelessness. I just wanted you to know that you aren't alone, I know how hard it is. I will be thinking of you.
gomom99