Quote From: lilywitherI recently got out of a bad relationship where I was emotionally spending all of my husband's paycheck and he was spending above and beyond that because he thought he could. When I left him, I also lived off of my credit cards for a while. Now, I have lots of credit cards and debt, and I haven't been able to pay off any of the bills in a few months. Credit people call me over and over again every day, but I feel so stressed out, I never answer the phone. In a few weeks, I'll be getting a financial aid check for college, and I'm hoping that will help me to get my debt in check. Is it a good idea to wait for September 2 for this to happen? Or should I take out a loan to cover the bills now and pay that off when it comes in? I'm not sure I could even get a loan right now with my credit scores. Sometimes, I get so depressed over this I don't even want to get out of bed, I just want to hide.
One of the worst things that you can do is Not talk to the bill collectors. Talk to them and tell them your situation. Some bill collectors really don't care and some do. If you should have any problems wiith them and I have had some - just tell them that their not listening and that your going to hang up - then do - wait a few minutes - call again - ask for a supervisor - tell them who said what and exactly what happened - it has worked for me.
If you spend this college money for debts - what about your school bills - lets be smart and use common sense.
You do have debts - fine - so don't get stressed out over what has happened - concentrate on what you are going to do about paying off these debts. Remember these debts are not going to multiply unless you keep spending. Taking out a loan is shifting debt - not elimanting it - arn't you going to college to get more educated - your not sounding to financially educated. After you get situated what about a part time job - this particular school must have those opportunities. Your debt did not accumulate over nite - and it won't go away over nite.
Sit down and start using your Grey Manner - not your emotions. Ok - Rog
