Don’t worry about your creditors. I don’t. We had 42K in cards ALONE. Throw in another 20K for hubbys medical bills and you can see you’re not alone being in debt. We have been in a debt elimination program for 2 years now, and are slowly getting out of the hole we dug for ourselves. So far none have threatened to come after me, just that they were going to check public records to see if I had any assets. I don’t… anyways I think it was a scare tactic. If they start to call and harrass you, you can contact the PFDC, and they will send you a creditor log sheet to log the calls. I am not sure if you have to be in a debt program for them to help. I personally changed my phone number. Good Luck in getting out of debt.
I’m new to the GammaInternational also and I’ve been following the responses to your first message. There is good advice given in each one. I’ve learned that everyone’s situation is different, yet we all have one thing in common, DEBT, and the only way out of debt is to make some money to pay it off. Taking care of your grandmother is a good and noble thing for you to do, but it pays you nothing to help you out of your current situation.
If your grandmother needs care with her ADL’s, then there are other options for you and her both. She maybe eligible for in home nursing care through Medicare/Medicaid or her private insurance. Enlist the help of other family members to take shifts while you find a job. You’re only 21 and at this stage of your life, you should not be burdened with debt or the care of an elderly relative. Watch this video to find out more:
Your situation is not as hopeless as it seems, but you are the only one who can change the direction in which it is going. Be encouraged and know that there are so many other people, myself included, who are struggling with debt, but are taking control of it by making choices that will have a positive impact on their finances. I wish you all the best in the days ahead and I’m here if you just need to talk.
Hey, I’m also looking for a place to start getting back on track. My husband and I bought a new home two years ago. That’s where our trouble started, we used the profit from the sale of our old house and our savings to put donw on the new home. We had figured with his raise and bonus we could rebuild our savings. There has been no one major event leading to our troubles but just a series of little annoyances. My daughter decided in June to move back home from college and with no savings to bring her home, I took that month’s mortgage payment and used it. Things have snowballed.
I now owe three mortgage payments, have shutoff notices on the utilities and back to school expenses. I’m on the verge of having panic attacks thinking I’m starting another month worse off than the previous month. Where do I start? I’m scared to death of waking up one morning and finding a foreclosure sign in my front yard but not being able to read it because the electricity is shutoff.