As you found out, it is a MINEFIELD out there when it comes to credit counseling services! I don't have the answers to your questions BUT you local *non-profit* credit counseling service is probably your BEST bet for information and advice.
Here is the name and 800 phone number of OUR local consumer credit counseling service. They may be able to answer your questions directly or at least point you toward your own local equivalent agency who can assist:
Consumer Credit Counseling Services of Central New York 49 Court Street Binghamton, NY 13901
Good luck and please come back to share your experiences for the benefit of anyone else who might be in a similar quandary!
Co-Team Leader for All Health Pros, Binghamton Area Losers & Laid Off But Staying Strong SparkTeams
Tell Me What Is It You Plan To Do With Your One Wild & Precious Life? ---Mary Oliver
Don't die with your music still in you. -- Dr. Wayne Dyer
"We either make ourselves miserable or we make ourselves strong. The amount of work is the same." --- Carlos Castaneda
"You yourself, as much as anybody in the entire universe, deserve your love and affection." --- Buddha
I sure hope it gets better. Thanks for the hugs. It has been a rough time. I lost my dog during this as well. My best friend who came with me when I moved here. This whole thing has been hard. Mother's Day yesterday and we still haven't had a child (I'm 35). I don't think it's going to happen. And My little guy is gone and his birthday is on Wednesday. He will be 12. I had fallen apart when I lost him. I feel into a depression. But I keep trying to push on even though I want to give up sometimes. But I keep going. I still have my husband who loves me very much. We are very close. I didn't see your post yesterday, but I will look for it. Thanks.
WOW! When it rains, it pours. Things HAVE to get better, but it will take a while. Meanwhile, know that you are not alone. There are thousands in the same boat. Also, make sure you and your sweetie keep close. My hubby is my biggest asset and strength. And listen to uplifting music and encouragement. Did you see my post yesterday on 2 excellent FREE relaxation downloads? Sending good thoughts your way!
I haven't been to my spark groups in a while. I have been really busy with school. I have a problem with one of my credit card companies. I was laid off from my job in November 2008. I couldn't find another job, so I just gave up and concentrated on my schooling. I am to be done next year. We have been struggling. My husband's job wasn't going well. Just as I got laid off his company decided not pay for health insurance anymore, then there was a 20% pay cut. We were really struggling. We cut everything out that we can and reduced spending where possible, even though we had already been doing that. We live in a studio apartment and we were struggling to keep that. Where else is there to go? Out here in CA people who rent rooms out do not want married couples. Plus even rooms are expensive out here. Some rooms are about the same price as our Studio. $800 for a room. It's nuts. We looked into moving, but there are no jobs to move to. We were drowning in debt. So my husband said that we have to keep one of our credit's good, so we would let go of some of my bills. One of us has to have good credit if and when we can move to another apartment. So we choose Bill Me Later. So someone called me from BML. I did talk to them and we worked something out. This was at Christmas. I couldn't pay the full amount they wanted. We couldn't even buy any presents for anyone. So we arranged that I would pay $50 on the due date and they wouldn't charge me a late fee. And when I was ready we could work something else out. They lied. I was so angry. They charged me a late fee. I talked to them and they wouldn't listen. They started harassing me. I told them to quit or I would stop paying entirely. I was doing the best I could. The kept harassing me, so I kept my word. So I didn't answer the phone and I kept blocking their number on both the house phone and cell phone. I didn't give them my home phone and they found it. They were calling several times a day and at all hours. I've been thinking about changing my number. Today they called my husband at work to see if he was related to me. I didn't give them his number either. They left a message on my cell phone this morning telling me that I had better call them today. My account was in final stages of review. They were deciding what to do with me. Should I be worried? Are they just trying to scare me? What is the worst they can do to me? I don't have a a job, I don't have any money to pay them. I am looking again now that my unemployment is up next month, and still not having luck. I usually do office work, but I'm looking at retail and am not having luck there either. Plus I have all the kids to compete with who are looking for summer jobs. I'm trying not to worry about it, but it's hard not to. Plus I am Canadian. I am here legally. My visa is good until 2017. Is there a possibility they can deport me? I haven't done anything. I may be getting unemployment, but that's it. I can't get welfare or food stamps or would be sent home for being a drain on the country, but can they send me back for not paying a bill?
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