need someone to talk to

iVillage Member
Registered: 07-08-2004
need someone to talk to
4
Thu, 01-05-2006 - 3:17pm

I am not sure if you have read my posting from the other day regarding the situation I am in now.

I just feel so desperate to get the money to pay the bills that my dead beat BF neglected to pay. I finally got a loan but need someone to co-sign for me that is local, I don't have anyone that is local, don't have anyone that I can go to for help - I am just now ready to go to my bank and steal from them.

Thoughts are running through my mind on how I need to do it without getting caught - I am just so desperate that I am entertaining all this thoughts in my mind!!

I just need to vent to make sure that I don't do anything stupid!!

iVillage Member
Registered: 07-11-2001
Thu, 01-05-2006 - 4:50pm

Were you able to find out about an advance at your work?

I know times are tough, so it really is a good thing to vent.

Please let us know if you were able to talk to your landlord. I am guessing by your stress you have not been able to work anything out with them.

Where has your BF gone?

Avatar for cl_phocid
iVillage Member
Registered: 03-26-2003
Thu, 01-05-2006 - 9:43pm

Hi there - I read lots of great responses to your post from the other day.

All my best,
Danni

iVillage Member
Registered: 12-12-2004
Thu, 01-05-2006 - 10:09pm
Hi, kistrinea. I know it sounds like things are insurmountable, but this mess shall pass at some point. Maybe not right away. Maybe not without some painful challenges. l) Meet with the landlord. In person. Set up appointment. Again, if you need to. Go over your income and see if you can even put another $50-$100 per month on back rent. 2) Did you check and see if BF name on lease? If so, he needs to pay up. Whether it is garnishment of wages, etc, or whatever. 3)DONT go to the payday loan things. The interest rate is prohibitive about 200% markup. 4) Can you work extra at work? Pick up a second job for now? 5) Cut back to bare bones. Turn down thermostat. Bundle up. Shorter showers. Cold water wash. Soup and sandwiches for lunch (great for the diet! LOL--I lost 20 lbs and am doing the soup and salad thing). Dont focus on what you cant control. Focus on what is within your reach. Whiz.
Avatar for endomagazine
iVillage Member
Registered: 11-09-2004
Fri, 01-06-2006 - 12:00pm

Hello Kistrinea,

Why do you need someone to cosign a loan with you? If you are applying for a loan with one of the reputable banks, they should be able to provide one for you without a cosigner. I understand how stressful it can be when expected things like this happen. Have you contacted a consumer credit agency? Most will give you a free estimate on helping out with bills, etc. and can give some pointers on reducing your bills before you sign up for any services.

Sincerely,
Lindsey Schocke

Got Dot? Why Not? It Pays!
http://www.website.ws/runsamok/show

Sincerely,
Lindsey Schocke

Geeks on Tap: Mission Accomplished