I hate the holidays....

iVillage Member
Registered: 03-25-2003
I hate the holidays....
12
Thu, 12-09-2004 - 1:07pm

I hate this time of year. I don't even want to go to my family's house for Christmas. I'd rather stay home alone. I have no money to buy anyone anything. My credit cards are taking all my money. I just gave half of my next paycheck away (the last paycheck I get before Christmas) because Wells Fargo was going to send my account to a lawyer today. I had to pay it or I would be sued.

Has anyone ever been sued by a credit card before? What happens?

I owe another $150 on another card that paycheck, plus about $100 each on 3 other cards. That takes up all of my paycheck and then some. What do I have left over? NOTHING. Not even some money so maybe I can buy some food and gas for myself. I get NOTHING.

I work and work and work and I don't even get paid! I feel like a slave! And I have a professional job - I have a bachelor's degree and five years of experience in my field. And I do really good work. When I graduated college, I was so excited about making money, but my boss pays me crap. Should I tell him about my debt problems? I am a good person - why am I being punished like this?

I rang up a lot of my debt when I was married, because I was trying to save my marriage by going on vacations and out to eat, then I rang up more debt when I separated (at age 23 because my ex was abusive) because I had to pay rent on my own and it was so hard going from two incomes to one, then I was laid off from my job and unemployed for 8 months. Finally I get a job, but the pay is way less than what I used to make. And so therefore, I'm just stuck in this dark hole, drowning, with my head barely above water and its sinking. I hate this. I hate the holidays. I hate feeling like a slave. I want to make money like everyone else does and have things like clothes that fit and aren't faded (I'm supposed to wear nice suits to work), my hair cut (my split ends just look horrible), and maybe something to eat for lunch besides crackers. This is so depressing.

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iVillage Member
Registered: 03-16-1999
Mon, 12-13-2004 - 5:48pm
Once a number of years ago I had creditors calling me day and night. Some were really nasty. One day I was listening to someone threaten me with whatever and I just told him to stop. It was if I snapped. I told the guy that I was trying to figure out a way to pay everything but that the threats simply convinced me that I should file banruptcy and that he could either back off and make a deal with me or he could get nothing. I was shocked! He calmed down and I think actually worked out a payment plan with me. I have no idea if that would work for you. I may have just sounded crazy enough to shock him. Doesn't sound like you have much to lose.
iVillage Member
Registered: 03-25-2003
Tue, 12-14-2004 - 1:52pm
I have done the acting crazy thing with creditors too. One time, I started crying and actually threatened to commit suicide. I know it sounds bad, but I was really depressed at the time. I didn't say stop calling or I'll kill myself - it was something like "well what happens if I die, do I still have to pay this off?" And they still wouldn't work out a deal with me, but they did stop calling for about a month. I'm sure they probably wrote something in their notes about it, because the next time they called, they sounded different - spoke slowly, didn't pressue, etc. I must be on their "special" list now. Oh well.

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