FUCKFUCKFUCKITY FUCK FUCK FUCK.
Seriously, Motherfucking fuck everything in the goat-ass. Twice.
A couple of years ago I took out a loan to consolidate all my credit card debt, which I was stupid enough to let get out of control thanks to being broke and doing retarded things like putting all my groceries on plastic while i was in school. I thought I was current on it, but somehow it’s in default. I can’t figure out exactly what happened, or what happened to the last 2 checks I sent them, but it’s now a giant mess. The loan company sold it off to another company (supposedly, the new company hasn’t gotten the checks because I sent them to the old company, and it could take up to 2 months for them to get the checks), who hired a law firm to come after me to get the cash.
Now I have until next Wednesday (Halloween) to come up with $6000 to pay them or I will have to declare bankruptcy. On one hand, who the hell cares if my credit is in the shitter for the next 7 years? It’s not like it’s any good right now, and it’s not like I’m ever going to buy a house or a new car or anything. On the other hand, bankruptcy doesn’t cancel your student loans, so I’ll be bankrupt and still $40k in debt; I’ll just have the $6k less to worry about from the bank loan.
All the while I was talking to this slick businessman on the phone who was explaining that he just worked for the law firm that the loan company hired to track me down. He emphasized several times that they weren’t even charging me any fees for collecting my money; they’re so nice! i don’t owe THEM anything! Yeah, it’s like if you owe your drug dealer money and he sends his thugs after you and they beat you up and then say, “see? I didn’t even charge you for the time it took to hunt you down!” I’m so honored. Grrrrrrrr.
I’ve had enough of this SHITTY SITUATION (as Yo-Yo Girl Cop would say)!!
I guess I’ll try to cash in my retirement fund. I have 2 of them, one from my present workplace and one leftover from Harvard. I think together they should be about $6000. It’s easier than trying to come up with the cash by selling things, which is the only other way I can think of. If I were to pool all my stuff (i.e., car, violin, viola, all my CDs and DVDs, maybe throw in the flute, and…) and… all that together would maybe get me $3000 in a Perfect World (i.e., one in which I seriously scam people). As it is, I’m not sure I have $6000 in retirement accounts, plus, they take massive penalty fees out for withdrawing the kizzash before you’ve retired. I maye have to sell some stuff anyway. I really don’t have anything worth any big bucks, though! My TV and stereo are from the early 80s, my car is older than Mikala (she just turned 13), the violin that was Grandfather’s needs a lot of work in order for it to be worth too much… Maybe I’ll discover that the Operation Desert Storm trading cards that I got at Dollar Depot back in the day are highly sought-after collectors’ items. Maybe I’ll be able to retire on the New Kids on the Block comic book I have… Antiques Roadshow, save me!
on October 23rd, 2007 at 8:26 pm
Try contacting your local Consumer Credit Counseling Service as soon as possible. http://www.cccsatl.org/
They are reputable and I dealt with them when I was in trouble and had crediters after me. They act as a go-between between you and the crediter. They’ll negotiate a way for you to pay them over time. They are not-for-profit. It really works. Some places like this charge you and are scams, but CCCS is not. Like I said, they saved my life when I had severe credit card debt. Good luck.
on October 23rd, 2007 at 8:30 pm
And, this guy is bullying you and trying to scare you. No one can force you to declare bankruptcy (I don’t think). You need help with this. I can’t emphasize CCCS enough. They will find out the truth for you and help you figure it out from there. I was in C-land and dealt with them over the phone (they were in Syracuse). I would urge you to call or go to your local one ASAP.