It looks like bankruptcy is imminent (long)

**sueh** · 12-28-2010, 06:55 AM

Hope things get better for you.

You are not alone. I am a single mom of 2 young girls, I was doing well financially until I lost my job in Oct 09. It was closed down. I was out of work until Sept 10 and my ex lost his job so I was not getting any c/s. Well you see I am way behind in my bills. The phone won't stop ringing and it's hard because I want to pay my bills I know that I created them but I just don't have the $$ to do so.
Right now I am holding my breath because I am not sure that I have enough $$ to cover my rent check for December. Yup December (month is almost over). I also have to pay for my childcare as well.
I am sick to my stomach thinking about my bills.

I will be looking into banruptcy as I just feel like I am so behind and there is no where for me to go.

I wish you luck and take care!

**Jamielane** · 12-28-2010, 08:05 AM

Welcome back and I hope things improve in 2011 for you and your girls.

**nodmicks** · 12-28-2010, 08:28 AM

Daisygirl I am glad to see you back here! I know you can do this! big hugs and I'll be cheering for you.

**Daisygirl** · 12-28-2010, 06:15 PM

I read your kind letters and saw all the hugs and it brought me to tears. I keep most of this to myself - the money issues and all - and it is so wonderful to receive this non-judgemental kindness.

I think a lot of my problem is feeling guilty. I really want to pay my debts but can't do that and keep a roof over our heads and food on the table. I'm not a frivolous spender - I'm pretty darn thrifty, but I want to be able to let the kids do an activity each and I have cut back on so many things.

As for the bill collectors, it's just horrible, or it was when they could find me. I was getting 30+ calls every day, coming home to 17 messages sometimes, from people wanting money. I was getting emails, and even had a creditor come to the door. I felt like I was under siege. I have anxiety and depression issues and it got to the point where I just wanted to cower in my house with the phone off the hook.

So, I moved. Several reasons why - 1.) I don't want to be harrassed. 2.) I don't want to be "escorted" from my home when they foreclose 3.) I found a nice apartment with all utilites paid at a decent price that is only 5 blocks from work. My phone number is unlisted and very few people have it - the ones that do would never, ever give it out. A couple fo creditors found me at work. They call relentlessly if I hang up so it is less embarrassing to just keep saying, "mmhmm, mmmhhmm, yep, that would be great if i could do that." They will stay on the phone for half an hour and then get ticked and hang up on me. At least it's only two places that know my workplace.

I really feel like the bill collectors are like terrorists. They just barely stay on the legal side of the line and the ones I talk to really seem to enjoy making one feel terrible.

I also returned my leased vehicle a year early and got an old car. Its been reliable so far and I only have $900 to go before it's paid for.

My game plan is this: get rid of the house - give it back to the bank - then I can stop paying homeowner's insurance and electric and gas there - that will give me some extra every month so I can build an emergency fund again.

Sueh - my heart goes out to you - the bill collectors are relentless. Keep your chin up!

**HappyMama** · 12-28-2010, 07:01 PM

Daisy Girl,

I am so glad you are back, I wondered how you and the girls have been doing. Sorry to hear about your troubles, you are a strong woman keep your chin up and you can do it.

Hugs and Blessings to you!

**Luv2BeFrugal** · 12-29-2010, 02:24 AM

Glad you're back...missed seeing your posts... Sending you hugs!

**nodmicks** · 12-29-2010, 08:25 AM

Daisygirl, send a cease and desist letter to the two calling work. send it registered mail. Cease and Desist Letter Template For Debt Collectors - Cease and Desist Letter

Hang in there!

**Debbie-cat** · 12-29-2010, 10:27 AM

I am so sorry for all that you have been going through. Sending hugs and prayers.

**Daisygirl** · 12-29-2010, 06:06 PM

Originally Posted by nodmicks

Daisygirl, send a cease and desist letter to the two calling work. send it registered mail. Cease and Desist Letter Template For Debt Collectors - Cease and Desist Letter

Hang in there!

That is wonderful! I will get right on this! Thank you!

**PaulaMM** · 12-29-2010, 10:27 PM

Originally Posted by nodmicks

Daisygirl, send a cease and desist letter to the two calling work. send it registered mail. Cease and Desist Letter Template For Debt Collectors - Cease and Desist Letter

Hang in there!

I remember reading one of your posts in the financial hardship section and being very humbled and inspired.

**nessarowdy** · 12-29-2010, 10:38 PM

I was going to quote Nodmicks with the "Cease and Desist" letter. They cannot bother you in your place of business.

Hugs to you! Glad to see you back! I often wondered how you were doing! I was always super impressed with how you saved money to take your girls to Disneyworld! (At least I think that was you!) lol

-Vanessa

**alotofgooddeals** · 12-29-2010, 10:52 PM

and after so many times....I just politely told them that if they continuted to call my place of employment I would no longer be working there and they would never see their money if i was unemployed....so please stop calling and i will get to you when i can.... they stopped calling.....