Good morning! I just joined the team today.
To begin with my story, I am working my way back to 4 years ago being the victim of Identity Theft and near-homelessness. It has been a constant struggle to clear my name and get my credit reports corrected.
My ex-husband, I found out in our 5th or 6th year of marriage, had a severe gambling and shopping addiction. This caused our home to go into foreclosure, hence the near-homelessness. He diverted money set aside for mortgage payments into a "secret" account that he used for his spending sprees. I'm thinking the whole time that bills are being paid and there is no problem. Just going to work every day like usual. Until the day I got the eviction notice and had to go to court. I was completely blind-sided. Rather than take responsibility for the damage he caused, he chose to leave me. I was stranded in a state 2000+ miles away from any family or close friends, not even having the money to pay for a hotel room. Luckily some loving co-workers and neighbors helped with what they could, as I slowly got back on my feet.
He left me with tons of debts. Because the creditors could not find him, they came after me. I had a good, steady job this whole time, but wage garnishments and lawsuits left me with very little at the end of each paycheck for food or necessities.
The ID theft caused even more damage, which I discovered shortly after the foreclosure. My credit was shot. I could not and still, 4 years later, cannot get into an apartment lease on my own. I can't get a credit card in my name. I have to do things by cash-only, and if I don't have the money for stuff, I go without.
At the divorce hearing, my ex was ordered to pay on his debts. He was also ordered to reimburse me for accounts that I paid out of the lawsuits and garnishments. Tens of thousands of dollars. I have not seen a dime, and I probably never will.
So, much of the debt I am dealing with is not "mine", but it is in my name. I wanted to join the team to lend my support and let others know that there is hope. With diligence and faith, you can make it out of a hole, no matter how deep.
Check your credit reports at least once a year!! You can get a free one from each bureau each year at annualcreditreport.com. The others claim to be free but then make you pay a membership.
I have been down to my last pennies at times for gas money, food, and necessities, I know what it is like to have to make that choice to either eat or pay a bill.
If anyone wants to talk, I'm here.
| current weight: 134.0