Thanks so very much everyone.

Posted By: MT maven on 2008-01-06
In Reply to: After 6 months of looking and living - MT maven

I don't have a lot of debt but have not been able to pay the stuff I had just trying to stay in my home and keep my car and insurance and that sort of thing. Prior to that, everything was paid timely and more than minimum. I am not going to talk to the first person I get on the phone and get the business. I plan to talk and follow up in writing and pay them down in a way that will take each balance and get it down and then apply the finished money to the next card in line. There are only 3 and I am only talking about 3K but when you do not have it what the heck .. it might as well be 50! I want them to reverse the fees and I will pay in full and if not then I will pay it off monthly and they will wait. It is horrible how they rack up those fees. I have no problem paying off what I spent .. but I am not going to fund others who will not do what I am willing to do. Thank you all again for your great advice. I knew in my heart I was not alone but it sure helps to know it for sure. My word of advice would be to be extremely careful when considering employment - I feel that the position I was offered never really existed and after the information was gotten that the owner of the company I went with saw no need to meet his commitment to me. That means I also have had no health insurance for half a year. I am climbing out of the hole, but it has been a blow to me and it has taken time to find a company that I could trust. I say a little prayer every day not to get in my car and go and do bodily harm to the jerk who really upset my life and nearly bankrupted me.

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After 6 months of looking and living - MT maven
- Thanks so very much everyone. - MT maven
- Before you do anything - please read - not a prude
- Is your new job another at-home job with a - sm - Just wondering
- I went with a company...sm - Maxed out
  - good info but what does it do to your credit score? - SM
    - That was the thing.. - maxed
- If you are just talking about credit cards sm - Getting older
  - P.S. They DO lower your minimum payment due (nm) - Getting older
- paying off bills - Eileen
  - Paid $60,000 on principal last year and this year - Me doing
    - Holy cow, how much money do you make? - sm -
      - Not how much I make, how much I have. - Me doing
        Explain, please. - nm
        why do you care? Inheritence maybe? - sm
        I care because if poster is doing something unusual - as far as saving/being frugal/lifestyle,can I do i
        do it also. Is there a technique she has that makes - the most of what you have? nm
        I will answer you as you seem to want to know - Me
        Well, I did not make my money as an MT, you can bet on that - Me
        Well, let me see, about money - Me doing
        It doesn't always work that way though - some give but it doesn't come back like that nm - not always
        karma doesn't have to be tit for tat...it can come in non monentary ways! - QA girl
        Well it sounds good but a true caring - observer
        Bless your heart, they were talking about paying on principal - Me
        Oh, but you seem to have to always - observer
        You've been very fortunate...sm - cat
  - another great way to save - sm
- paying off bills - Eileen
- credit counseling - marilyn
  - That is good advice, but may I also add... - sm
    - Thanks .. will just call them and see - MT maven
      - I went with consumer credit counseling. After my divorce I had - MT
      - Credit counseling - some bewares - Patti

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