Find a Conversation
|Mon, 04-07-2008 - 7:31pm|
I decided to come out of lurkerdom.
I went with a credit counseling agency 4 years ago. 2 of my cards are down to $3k total, down from $11K.
I have not debted in a long time--I have no open credit cards and never want one again.
The 3rd card is the problem. I didn't pay any attention to where my money was going each month. I pay the agency on the 15th, and they pay the creditor. Well, they have been paying the 3rd card one day late every month and I now owe nearly $900 on it.
The collection agency for Sears called me on Friday. It was a bad day. I needed emergency oral surgery the day before that cost $645. I only have about 1K in emergency funds, and I had to draw from that. I had that money set aside because I will need fibroid surgery and will need time to recover. I will have to put that off now.