Sorry about this post but...

Sorry about this post but I don't know where else to turn.. I have now gotten another letter or 2 from the billing department from St. V's and the rest of our bills have been sent to a collection agency. We are behind in everything including our house payment. I am to the point that I am ready to divorce my husband and really can't because of not being able to work a full 40 hour week because of those spells I am having. I just want to crawl back in bed and pull the covers over my head and never talk to anyone ever again. I keep praying and that is not helping any. What do I do? I don't know anymore!
 Sorry if I am sounding like I want pity or anything but I just don't know where to turn. I called my husband and all he can say is why did you tell me this right before I have to go to work and I knew I should not have taken this job down here. God I am so tried of all of this ****!
 I know that some of you will probably say "PUT ON YOUR BIG GIRL PANTIES AND GET ON WITH IT" SORRY! I just needed to vent and I am not going to the rant and rave board anymore so this is my alteranative.

Tithe 10 % to the Lord and your warehouse will be overflowed.
I know this sounds more than you can do but He is wanting to help you.  You need to show Him you trust Him to provide.
E
Praying for you and yours

May I suggest  that you call your local mental health center and make an appointment to speak with a therapist. They can charge you based upon a sliding scale. It sounds like you are dealing with some difficult things right now and maybe even some depression. It won't make your problems go away, but may help you to deal with them better.
Good luck to you. Cathy

Sweetie Hang in there! I know it is rough but you just need to take it a day at a time and if that is too much...go hour by hour! There are so many in your situation these days with the bad economy. Just this past week I have heard or 2 people who have gotten so desperate that they have taken their own lives. My daughters friends boyfriend was so overwhelmed he was talking to his girlfriend on the cell phone while she was at my daughters apartment and  he just killed himself, leaving behind a baby and family members who are devastated. A young man on the floor below my office was down and depressed on Tuesday...he went home for lunch and never came back to the office...his wife came looking for him at work and a couple of co-workers and her found him dead at home .  It grieves me that so many young people get so desperate they just give up. My mother always says...this too shall pass and for this we have Jesus. No matter how big or horrible our troubles may seem they will pass and it will get better. Hold on to your faith and Trust God to help you thru this and just do the best you can do. Let your creditors know you are in the middle of a financial hardship and you are doing the best you can. That is all you can do.....It will get better...these tough times really make us appreciate the good ones that follow :-) My prayers are coming your way.
Hugs Sweetie!
Marianne

Hi Michelle.  Sorry that you are having this happen.  I feel your pain.  Sit down with a note pad and pen and start calling those creditors.  Be up front with them and work out some sort of payment arrangement.  Even if it is $10.00 a month. 
I know this stress all too well.  I went through a terrible time after my divorce.  I lost everything.
Lost my house, lost my car... everything.  It takes some time to get to feeling better about all this stress. But it will get better.  Go see your local trustee and see if you can get some help with your house payment. Anything.
(((hugs))) 

I honestly wish I could help out with a big check.. but I cant.. I am worn so thin because of running sis to hospitales and taking care of my own but have you thought of just chucking it and filingh bankrupcy and starting over?? If big banks can do it... Oh yea... we little cant afford the filing fee!!!

The companies HAve to send the nasty letters.. they are form letters and not picking on you personally although it seems personal. Call them say you can send x amout a wee****il you get things straightened out... it is the best you can do...they dont want you filing bancrupcy because they loose in the long run.

Make hubby look at the bills when he gets home and both of you come up with a plan.. the bills belong to both of you..

Linda

Hi Michelle,

I sent you a PM.  Hang in there....financial troubles are SOO stressful.  Hopefully things will get better soon.

Melissa

Thanks for all the encouraging words but I am so tired of trying to deal with things. I am trying to sell a boat on craigslist and having to deal with those guys and all the letters is just too much. As far as tithing goes there is NO MONEY to do that with. I know that all of you CHristians think that is the answer. If GOD cares about me and my situation he would direct me on how to deal with things without tithing until things were better. That is why I am not into organized religion. My brother had no money to tithe with and I am sure he went to heaven. SO no more talk about tithing. I can't afford it right now.
 I will try calling all the creditors tomorrow but probably will get no where as I am not the main account holder on most of the things that are owed. The HIPPA act is the problem with that as I tried to call the credit card companies and they would not even go past hello since my husband was the main person on all of the accounts. I am just between a rock and a hard place as my parents used to say. But I see no way out.
 About the therapist that is not going to happen as their sliding is just as affordable as the tithing.
 The trustee wouldn't help a few months ago when Don was the only one with income and that was unemployment because he made 60 buck too much. Now that we both are working I am sure we are way the hell over the amount for them to help! SO as usual we are screwed! We can't move in with more family or our preacher like some people we know so now I am just waiting for the next shoe to drop. Oh well...

Michelle,
Sounds like Bankruptcy is the only answer for you. You could file a Chapter 13 and just reorganize if you want to keep your house and stop the harrassement call and they will reorganize what it is you owe back. Most lawyers will file for a nominal fee and if aren't paying creditors and behind on house payments then you could use that for the filling fee. Attorneys fees usually can be worked out with payments and/ or put into the bankruptcy. There are options. Check into them. Chapter 11, I believe will eliminate most of it but you will lose all assets, if you have any. House, cars things of value but it will go to pay debts.

Another thing that I have done to stop all the freaking calls...I get them too! Write a note to each one of them stating that you recognize that there is a dect owed but that you are formally requesting that the phone calls to you, your references, and anyone else cease immediately. You have to put it in writing. Try to send them certified so you have proof they have received them. They also need to be sent to the customer service department...not the payment centers. Keep the tickets off of each one and attatch them to the copy of the letter you keep and log on the back of. They have to acknowledge this letter and stop calling. If they continue to call...keep track of who, when , what time they called, etc...on the back. That log will be needed later on. If they continue to call just politely tell them to send you something in writing and that you have requested all calls regarding this matter are to stop. Nothing more needs to be said. Do not swear at them or get angry. Keep that log. Alot of attys are going after creditors that are in violation of the fair debt act and people can get as much as $1000 per incident the  after the week following the date the letter was sent. I am in the process now...Sears being the worst! Supporting four people on Social Security is killing me. I also do not qualify for assistance! And I have to pay the copay for the girls insurance and perscriptions to boot! So I am there with ya. You just have to take this bull by the orns and be the one in control of the situation....not the creditors. If you decide bankruptcy is your option of choice...do it! No reason for anyone to be ashamed they have to. Everyone is feeling the pinch. Just at different levels is all......Stay strong!