Read the book Good Credit Is S*xy by Welsh (nm)
Posted By: mtstudent on 2007-08-04
In Reply to: Anyone had any experience with Credit Counseling services? - millie
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Tessier's Surgical 'Word Book, old but good. And the Quick Look Drug Book and Saunders
.
I read this book also. Wonderful book.
nm
I read the book. Even better.
xo
Read this Book
The Fourth Turning by William Strauss and Neil Howe.
You don't have to get mad about pulling funding for schools because it is never going to happen.
You might get mad because of sacrifices YOU personally will be asked to make in your old age, but from here on out, kids will be treated like the future they are. History repeats itself.
No, I just read the book sm
This is a close up of the wedding cake I did for my daughter earlier this year. It was a double layer cake, about 150 buttercream roses I made to cover it. This is my signature cake, done probably 50 of them.
My mom took classes and never mastered the rose either. When I bought supplies 25 years ago, I bought a Wilton book took and followed the instructions. First thing I did was a rose, had it down after about 12 of them. It is drop flowers I can't do well!
I read where the Goldman's said they take credit for him being in jail -
they said if they had not pursued him so relentlessly for money he would not have been trying to steal his things back and they take credit and are proud that they pushed him into doing another illegal act so that he would finally be imprisoned.
BEST book read in ages...
Wow...cannot remember when the last time I have read such an INCREDIBLE book. If anyone is a reader like me, check out "For One More Day" by Mitch Albon (author of 5 People You Meet in Heaven). I had never read anything of his, but WOW. Once I picked it up, I could not put it down. Read it in less than 2 hours and it is simply FABULOUS. So good, I'm going to read it again! 
You know, when I read the last book, I thought
that Dumbledore's relationship with the other great wizard seemed a little "warm and fuzzy", shall we say?
But, please don't forget that her audience for these books was not originally intended for small children. The books are meant to be read by children the same age as Harry in any particular book. So the first book is appropriate for 11-year-olds, and the last book is appropriate for 18-year-olds and up. I think people forget that. Yes, the marketing definitely is geared to a wider audience, but she has always maintained that this series of stories is meant to grow with a child, and on more than one occasion, she has reminded people that the later books are not intended for young children.
I really didn't think it was necessary for her to out Dumbledore, but, oh well. There it is.
If I buy book for SIN for XMAS, but read it
xx
I read this book and actucally
where "The Glass Castle" was supposed to be built is about 30-40 minutes from here. I also heard the author speak at a dinner. I still don't quite believe "everything" in the book but it did make for an interesting read.
Everyone should read his book, it's wonderful. sm
I originally borrowed it from the library and read it, but it was so fantastic that I bought my own copy so I could read it again and share it with others. He was truly an amazing man and has touched the lives of so many people.
Yes, I read it and it was a great book....nm
aa
I recommend you read the book ....sm
The Total Money Makeover by Dave Ramsey. It teaches you how to be debt free and get out of the hole you are in. I am gonna try it. I have heard 2 people say it worked for them. Just give it a look.
Have you read Kevin Trudeau's book?
It shed a whole new light on the drug industry for me.
kitchen confidential...the book is on tape/maybe CD by now read by the author...sm
Kitchen Confidential (2000) is Chef Anthony Bourdain's personal and professional memoir of 25 years in the kitchens of New York. The book's full title is Kitchen Confidential: Adventures in the Culinary Underbelly, but Bourdain, who studied at Vassar College before graduating from the Culinary Institute of America, with knife-sharp prose cuts through the underbelly and straight into the entrails of New York's culinary world.
Beginning with a boyhood introduction to his first raw oyster, a "glistening, vaguely sexual-looking object, still dripping and nearly alive,' and navigating through soaring heights and devastating lows of a career simultaneously fueled and marred by drugs and alcohol, Bourdain's constant companions, this memoir not only tracks the coming of age of a now-celebrity chef with his own Food Channel series, but it maps the restaurants and kitchens that came and went during Bourdain's formative cooking years.
Though he is currently a highly-regarded executive chef at Brasserie Les Halles, Bourdain's early years were spent ricocheting from one failure to another, particularly during the period he refers to as "the wilderness years."
It is one of the central ironies of my career that as soon as I got off heroin things started getting really bad. High on dope I was, prior to Gino's, at least a chef - well paid, much liked by crew and floor and owners alike. Stabilized on methadone, I became nearly unemployable by polite society - a shiftless, untrustworthy, coke-sniffer, sneak-thief, and corner-cutting hack, toiling in obscurity in the culinary backwaters. I worked mostly as a cook, moving from place to place, often working under an alias.
Despite a total immersion approach to drugs and debauchery, Bourdain maintains his love of food and a passion for his work throughout. He is a purist with an ironclad work ethic, an ironically common badge of the addict. Bourdain's prose is peppered with profanity and he frequently refers to his customers as "rubes" and those who exist outside the restaurant industry, "civilians." His approach to writing is the same as his approach to food: clear, concise, and lacking in ephemeral B.S. He is, in short, a pleasure to read - or to listen to, as in this case.
As an audio book, Kitchen Confidential soars, because who better to deliver Anthony Bourdain's biting assessment of the restaurant industry than Bourdain himself? The sardonic tone emanates perfectly from the author's own voice. With oaudio books often not the case, but Bourdain proves equally capable behind the microphone as he is behind the laptop,lap tope chef's counter. Pick up a copy of this book. If you spend any amount of time in New York City restaurants, Kitchen Confidential is a must-read. If you've spent any time working in the culinary arts, Kitchen Confidential is a must-read. For anyone else, Kitchen Confidential will be one of the fastest and sharpest works of memoir that you'll ever have the pleasure of digesting. This book was rented from www.simplyaudiobooks.com.
For a real life-changing book, read The Last Lecture. nm
x
It is in the Good Book....
NM
His book was really good
He has nice quick little stories constituting his book with words of wisdom thrown in. His book has really changed some of my outlook on things--I have three kids nearly the same ages as his children and a husband who is 2 years older than Randy Pausch. (I'm quite a bit younger.) One (or both) of us possibly could be in a situation like his--you just never know, so live your childhood dreams and leave something for your kids to be proud of...
Anyway, I wholeheartedly recommend his book. I haven't been picking up books too much (except to study), but I was drawn to his book sitting there in the new section of my library's shelf. I'm glad I took the couple of hours to read it. It's a quick and interesting read.
Above all, I hope his death was peaceful and as painless as possible and that his wife and children have wonderful memories of him.
Mortgage recommendations for not so good credit...
a family member needs to get a mortgage for a home they are currently "buying" from a friend on contract. I say "buying" in a very loose term, because I am not sure that they even have a written agreement, sometimes it sounds like they are just "renting". Anyway, credit is a problem for them.. bankruptcy 7+ years ago, collection accounts they are currently paying on, etc. and probably some current finance company bills and "of course" the "new-used SUV" they got about 8 months ago. You all know what I'm saying here, this is not a "one time credit problem" .... Supposedly, they tried one mortgage company but, according to the wife, after about 3 months they got mortgage approval but PMI insurer turned them down. They actually have a good deal on the home, appraised at approx 90,000 and they are buying it for approx $78,000, so there is some equity. Of course, they have actually no $$$ to really put down. The situation is that they have been living there a few years and the seller "a friend of theirs" needs the cash by October, so that he can purchase a property he is currently buying on contract from his sister, who needs the money now, etc. and on and on it goes. Anyway, if they cannot come up with a mortgage, they are out, have to move and of course, they will be trying to hit us up for cash or, heaven forbid, a place to live!!! I need any suggestions anyone has or any names of mortgage companies that deal with this particular situation. The wife called us and asked us to co-sign, but that's out of the question. Appreciate any advice
Anyone know who to get college loans when you have less than good credit?
Daughter is going to school and she can get a loan with a cosigner but due to my and my husband's finances we do not qualify. Asking anyone else in the family is out of the question, tried, no luck.. Are there loans out there where my daughter would not need a cosigner. She is a first year freshman.
good info but what does it do to your credit score?
I basically did what you are doing but on my own. I owe a lot. My credit card companies wouldn't work with me as far as lowering my previous rates so I investigated and found a site that lists all the current 'deals' with other cards and did balance transfers. Let me tell you for one I got 0% for a while and then 3.9 for the life of the balance! I still can't believe it. Another was 0% for like 18 months and then 8.9 for the life of the balance. So I'm proof it can be done! You do need near perfect credit though to get these really good deals but it's worth the little bit of work involved for those who do pay on time and are just tired of paying those high interest rates :)
I'm in the middle of book now, very good!
I've always liked her and wanted to read more about her and Phil, how they met and all. I can relate in some ways with the alcoholic father. I'm going to try to finish it tonight or over the weekend, at least!
That sounds like a good book.
I just finished Obama's biography and have started his "Audacity of Hope"
Actually I have a very good tenants' rights BOOK - sm
from Nolo Law. Mentions everything but the kitchen sink - EXCEPT renovation evictions. STILL, now what am I supposed to do when applying for a new apartment? All the applications ask if you've been evicted, and yet having lived here so long, none of my previous landlords is even ALIVE. Do they have to tell a prospective landlord I've been kicked out, even if it wasn't for doing anything wrong (except for living here too long)?
I thought I was the only one! I hate to finish a good book and sometimes stall sm
just to prolong it because I will miss the characters. Isn't that crazy? I read a lot, at least a book or two a week, so if I find a good author, I get really involved.
Have you read the Janet Evanovich books with Stephanie Plum? I love them but they come out a year apart and I wish they were a weekly tv show!
Why does closing a credit card account negatively affect your credit report
Especially when I never use it anyway, and really never wanted it?
With all the bank rearranging going on in the past few months, one of my accounts was tranferred to Bank of America. I was sent new cards and a new agreement, new interest rate etc...
So I called them up and cancelled but before they did, I had to listen to a spiel about how this would negatively affect my credit report.
Huh?? Why is that?
Credit Card Reform Can Cost Good Card Users
Part of article:
Credit cards have long been a very good deal for people who pay their bills on time and in full. Even as card companies imposed punitive fees and penalties on those late with their payments, the best customers racked up cash-back rewards, frequent-flier miles and other perks in recent years.
Now Congress is moving to limit the penalties on riskier borrowers, who have become a prime source of billions of dollars in fee revenue for the industry. And to make up for lost income, the card companies are going after those people with sterling credit.
We pay off our balance every month. If they do this (punish those who have sterling credit) Ridiculous!! I'll stop using my CC and pay by cash or check.
So much for reform.
I cry every time I read that - for pets I have had to say good-bye to.
thanks for posting. I know when I go, they will be the first "people" I look for - (fur people).
Good for you! To read your posts, it really sounds - (sm)
like something has happened with her, since this is a change of character for her. You said she was an awesome friend for many years, and she probably was. But something happened to change that. It could be any one of many reasons, too: Drug habit, early dementia/Alzheimer's, schizophrenia, even a brain tumor. The latter sounds very possible. I wonder what her husband thinks about all this. He seems like a pretty decent guy. Depending on how you view his friendship, you may or may not want to discuss the problem with him. Maybe he needs to get her to a doctor.
I think you were lucky when he offered to do the work on your house for a low price, and DIDN'T screw it up. So many times, you hear horror stories about such things. So the fact that he did the work, and it turned out well, sounds like you have an asset in his continued friendship. BUT, you of course want nothing more to do with the wife.
The easiest thing would probably be to just cut all ties with them both, but I still have this feeling the husband is a good guy. He could be caught in the middle of all this. Or in denial that the lady has a serious mental problem going on. It would also be interesting to know WHY she lost her job. The mental issue could very likely be the reason.
Anyway, I think you were very wise to change the locks! ;D
Received this today. If you want a good laugh, please read....sm
 Why God made moms answers given by elementary school age children
>>> to the following questions:
>>>
>>> Why did God make mothers?
>>> 1. She's the only one who knows where the scotch tape is.
>>> 2. Mostly to clean the house.
>>> 3. To help us out of there when we were getting born.
>>>
>>> How did God make mothers?
>>> 1. He used dirt, just like for the rest of us.
>>> 2. Magic plus super powers and a lot of stirring.
>>> 3. God made my Mom just the same like he made me. He just
>>> used bigger parts.
>>>
>>> What ingredients are mothers made of?
>>> 1. God makes mothers out of clouds and angel hair and
>>> everything nice in the world and one dab of mean.
>>> 2. They had to get their start from men's bones. Then they
>>> mostly use string, I think.
>>>
>>> Why did God give you your mother and not some other Mom?
>>> 1. We're related.
>>> 2. God knew she likes me a lot more than other people's
>>> moms like me.
>>>
>>> What kind of little girl was your Mom?
>>> 1. My M om has always been my Mom and none of that other stuff.
>>> 2. I don't know because I wasn't there, but my guess would be pretty
>>> bossy.
>>> 3. They say she used to be nice.
>>>
>>> What did Mom need to know about dad before she married him?
>>> 1. His last name.
>>> 2. She had to know his background. Like is he a crook?
>>> Does he get drunk on beer?
>>> 3. Does he make at least $800 a year? Did he say NO to drugs and YES
>>> to chores?
>>>
>>> Why did your Mom marry your dad?
>>> 1. My dad makes the best spaghetti in the world. And my Mom eats a
>>> lot.
>>> 2. She got too old to do anything else with him.
>>> 3. My grandma says that Mom didn't have her thinking cap on.
>>>
>>> Who's the boss at your house?
>>> 1. Mom doesn't want to be boss, but she has to because
>>> dad's such a goof ball.
>>> 2. Mom. You can tell by room inspection. She sees the stuff
>>> under the bed.
>>> 3. I guess Mom is, but only because she has a lot more to
>>> do than dad.
>>>
>>> What's the difference between moms and dads?
>>> 1. Moms work at work & work at home, & dads just go to work at work.
>>> 2. Moms know how to talk to teachers without scaring them.
>>> 3. Dads are taller & stronger, but moms have all the real
>>> power 'cause that's who you got to ask if you want to sleep over at
>>> your friend's. Moms have magic, they make you feel better without
>>> medicine.
>>>
>>> What does your Mom do in her spare time?
>>> 1. Mothers don't do spare time.
>>> 2. To hear her tell it, she pays bills all day long.
>>>
>>> What would it take to make your Mom perfect?
>>> 1. On the inside she's already perfect. Outside, I think some kind of
>>> plastic surgery.
>>> 2. Diet. You know, her hair. I'd diet, maybe blue.
>>>
>>> If you could change one thing about your Mom, what would it be?
>>> 1. She has this weird thing about me keeping my room clean. I'd get
>>> rid of that.
>>> 2. I'd make my Mom smarter. Then she would know it was my
>>> sister who did it and not me.
>>> 3. I would like for her to get rid of those invisible eyes on her
>>> back.
I read that for the younger kids, this is a good time
to explain to them that the characters they love on TV are just that "characters pretending" and they should look to parents, teachers, scout leaders, etc as role models. I am not saying you haven't done that, but I thought it was good advice for the young ones that are disappointed and don't understand.
Read really good news on reverse this morning
including FHA which is for only over age 62 and which is insured. With anything people need to check these out. There are really good ones out there and thanks for bringing this up again.
I think this commentator spoke it best. Good read. I agree with him wholeheartedly! sm
This whole push to remove Christ from the Christmas season has gotten so ridiculous that it's pathetic.
Because of all the politically correct idiots, we are being encouraged to stop saying "Merry Christmas" for the more palatable "Happy Holidays." What the heck are "Seasons Greetings"? Can someone tell me what season we are greeting folks about? A Christmas tree? Oh, no! It's now a holiday tree. Any Christmas song that even remotely mentions Christ or has a religious undertone is being axed for being overtly religious. And I'm sorry, forget X-M-A-S. Malcolm X? Yes. X replacing Christ? No.
Don't get me wrong; I'm very respectful of other religions. I don't want anyone to be afraid of discussing the Jewish faith when we address Hanukkah. And we shouldn't dismiss Muslims when the annual pilgrimage to Mecca is held during December. In fact, Americans are so ignorant of other faiths that we can all learn from one another.
But this seeming backlash against Christianity is bordering on the absurd, and we should continue to remember that Jesus is the reason for the season.
I know that may sound strident, but it's true. We spend an inordinate amount of time focused on shopping and buying gifts, but really, what does any of this have to do with the birth of Jesus? We have families all over the nation killing themselves to buy a tree they can't afford, running up their credit to buy toys and other gifts, all in an effort to make someone else happy.
What if families decided to forgo gifts, and instead, used their shopping days giving back to those in need? What if more of us went into our closets, grabbed old toys and clothes, repackaged them, and provided them as gifts to those without? Instead of gorging on food, what if we used some of the dough to feed those who are in need? What if we blew off those gift cards to electronic retailers and signed up with Networkforgood.org, and gave someone a gift card to their favorite charity?
Sure, I know I sound like a reincarnation of a flower child, but really, do we have to be so crass during the Christmas season?
Parents, don't be so consumed with the notion that your children will have a terrible Christmas because the tree isn't overflowing with gifts. The true love that you show them is more important than anything else.
America might be the king of capitalism, but secularism must never become so prevalent that our religious traditions are discarded.
Roland S. Martin is a nationally award-winning journalist and CNN contributor.
If I don't read before I go to sleep I can't fall asleep. I will read sm
until I begin to fall asleep. They say reading relaxes you fully and it works wonders for me.
I used to suffer from insomnia, but not since I've been doing this - about 5 years now.
Plus, I've grown so much and have gained wisdom by doing so. I enjoy Christian books and reading the Bible.
credit
My girlfriend did use the service. It worked great for them. It also put all their payments in one. The only thing is you need to watch what "items" you put under the service because it will keep you from purchasing items for so many years.
credit
I have used Consumer's Credit Counseling Services locally. They were wonderful to me. Put me on a generous budget, put all my bills under one payment (had to cut up all credit cards - which was a blessing and freedom after I got used to it), cut the credit card interests way-way-down or to none, and finally got everything paid. At first there was no charge from them, but later I paid $5 a visit, but I imagine they have surely put a low charge now. They were pretty strict with me (which I needed), but it worked. They were always accessible to talk with, which I really liked too. Also it was nice to refer callers to them, saying, "I am a client of CCCS and they are helping me" and not have to deal with the callers any more. In fact, after they were notified of intent to pay by CCCS they never called again.
Good luck. It meant freedom to me.
credit
I did hear that credit counseling is reported to the credit bureaus, but so are late payments, over-limits, missed payments, etc., etc. so ultimately I don't imagine it could ding your credit score any worse.
credit
I don't know the answer to that. We have only bought cars and a house on credit since then. Be sure to talk to the credit counselor before signing up and find out. They will know.
Credit card (SM)
There was information about credit cards and interest rates going around late last year/early this year. Basically, from what I understand with the new bankruptcy law this was attached to it. The credit card companies can and will charge you and me whatever interest rate they want to, and the only thing we can do is cancel the card and pay off the balance. There were these little inserts with your statements that many of us just throw away and never think about it. But I did read the ones that were sent with several of my statements, and I kindly told them to keep my rate where it was and I canceled the card. Sad but true. 
NO more credit cards
I had a credit card with a high balance. I got a second mortage to pay it off. I called the credit card and got the payoff balance and my bank sent a check to them. I kept watching on line to make sure they got it and when they did I noticed that there was a $95 credit. So, I called and said how do I get my money back. They sent me a check and when I got it, I called and closed the account. This was about two weeks ago. Today I get a statement from them with a balance due of $45! Huh??? I called and they keep telling me it is a finance charge. I got pretty steamed and finally ended up saying that I would pay it, but no more. Well, I wrote out the check and put in in the mailbox, but I'm still stewing about this. If I still owed them money, why did they send me a credit?? What is the finance charge on if I had a credit balance? I suppose I will just pay it because they will only keep tacking on even more charges, but it is really bugging me. Has anyone else had any experience with this??
I will say one thing - NO MORE CREDIT CARDS EVER EVER EVER. REALLY. I mean it this time.
About my credit card
I owed close to $10,000.00 about 2 months ago on my credit card and called to make sure I sent the right amount as paying it off. After I paid in full, they also sent a "finance charge" for around 35 to 40 dollars. I paid that but have discontinued using that card. I have another card, used during Christmas, interest about half of the other one and getting that paid off before long also, just sent $500.00 towards that yesterday. I on the first had asked for payoff amount but the finance not there when I asked.
Our credit was very shakey (sm)
when we bought our house 6 years ago and we have now (both husband and I) been ICs in this biz for 11 years. As an IC you are supposed to work for different companies according to the IRS so you could really jam yourself up if you got a letter like that from your current company. Personally - I would refuse and find another mortgage company. I had a very young and inexperienced mortgage person when we refinanced our house through a credit union - it was literally a nightmare - I don't have the time anymore! If you have good credit move on and find someone who appreciates your business
ruined credit????
Went to work for a company about five years ago. The pay was EXCELLENT, however, they paid me "when they got around to it." Now my credit is so terrible I can hardly qualify for a home loan!!! Has anyone else experienced this problem???? Still suffering after having quit four years ago!!!!!
Sorry to say, but you have proven yourself a bad credit
x
Not the only way, my credit just restored on its own
after years of not having as posted below, went and had a clean slate just as if no credit at all in my life, went from bankruptcy to nothing bad about me, nothing! I did learn how to be responsible after that time though, now have excellent credit rating.
Credit for your daughter
As DW stated, federal loans are given to students - have her go to financial aid office/web site of school and see what she needs to do to apply for them.
Does your daughter have a credit card? Yeah, I know, scary thought, but the sooner they can establish good credit, the better off you all are. My son has a card for college students from Citi Bank. He's had it since senior year of high school and I tell him to use it for EVERYTHING. Gas, pizza, books at school, etc. He keeps track (amazingly) and pays the card off every month so he never gets charged interest. His bill is usually for under $50.
He's been having problems with his cell phone, it's already been fixed once, yet the same problem keeps happening. The contract for the phone was up last week which means he could get a new phone for next to nothing provided he renew for another two years. I told him I'd buy him he new phone for a Christmas present. I've been paying his cell bill of $45/month for years. He wanted text messaging added to his plan. I told him I will only pay the $45, he can pay the difference if he wants to text his friends because NWIHAIPFI so he can ask his BFF what time they can meet for lunch when he could just call the dude and leave a message if he isn't there! Well, a two-year commitment with the phone company would bring us to 6 months AFTER he graduates from college and he could be in Madagascar by then for all I know with the cell bill still coming to me. I asked the cell phone company if the contract can go in my son's name. They told me no, because his credit rating as a student wouldn't qualify him. I asked them to check anyway. They did, the woman was shocked, he was approved, and now he has a new contract with text messaging for $10 more and the bill goes to him! I'll deposit $45 in his checking acct every month and he can write the check.
This is partial payback for the night I had to spend in a battleship with 400+ other Cub Scouts and their fathers when my son was little. Hot dogs and beans was the dinner. Need I say more? Bunks stacked 5 high with me on the top bunk and hot air rises. He will owe me for that for many years to come.
I think its credit cards...
The newspaper had an article the day after Christmas how people are defaulting on their credit cards all over the place. This added to the mortgage companies having problems with people unable to pay their balloon payments and the bad housing market, price of gas is sure to lead (the article said) to a recession.
When I was shopping I saw all the people with tons of things in their carts, DVD players, computers, etc. on Christmas eve. This was regular people at Walmart. I saw a lot of credit cards flashed around. Paying minimum payment will cause Christmas to cost tons more and they will be paying beyond the item's life which they purchased.
We went through this. We tried to sell our house, rented to own another and went broke in 3 months. After we had 2 house, fell back on credit cards the interest piled up and it was terrible! We moved back and are on a budget. So, I shopped without credit this year, and you know what? I had more fun. And I have 3 kids. Their things were simpler than the fancy things they got last year. The most expensive things we got were bikes because they are growing and we got those on sale. The rest were creative items. I am not saying that what we did is so great. What I am saying is that peeople are not looking at the big picture these days and if they do not use cash (as we had not in the past), they may not be able to pay their debt if hard times fall. In the meantime, grandpa sent my son 100 bucks, which I let him spend on a train set (I should not have let him do that he is 7) and he cried that his money was all gone and he did not want the train set anymore. I bet if I had him save some of it and had him buy simpler things, well I bet he would not have been crying. At least at age 7 he is learning that money is not easy to come by. And he is learning the hard way because I will not give him more money to replace what he spent. Sorry such a long message. It is just that we did not even afford an XBox, and I wanted a Wii myself, but we avoided all of that because in the end we learned that Christmas is not about credit cards, the junk it buys. I think the end of the cartoon the Grinch where the Who people did not even care about the presents was correct. Maybe we'd be happy with less things and more love. I don't know. This was not meant to be a sermon forgive me. We all have to learn what Christmas means to us and I say let people do what they want, consequences are always result of actions anyway. Just IMO. Happy New Year everyone!
Can't take credit for the idea.
When I was in my late teens I nannied for a very wealthy family who bought a truck load of stuff from a children's hospital as well as made a huge donation and I spent WEEKS handwriting "A donation has been made in your name" to this hospital and then including a sweatshirt, t-shirt, mug or whatever else they bought.
credit counseling
I did use one, but in retrosepct I don't think I would do it again. It ends up lowering your payments or your interest a little, but they also charge you a monthly fee - mine was 35.00. All they basically do is pay your bills for you with what you send them. It takes a good 2-3 months to get set up and working and by that time your bills are even more overdue. I think your best solution is to talk to all your creditors and be disclipined about paying to the exclusion of having a life until you are caught up. I finally got out of the hole, but it was hard and seemed like it would never happen. Good luck to you. You can do it.
which could damage your credit
x
they can be put on your credit report...
I know for sure b/c I have one on mine. :(
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