Topic : Debt

 I have had two different checking accounts closed by two different banks.  This was because they both became overdrawn and I didn't have the money to cover them.  All the fees I incured I couldn't catch up no matter how hard I tried.  Both banks reported this check systems. One bank I was able to opay off the amount and the other I am still trying.   Now I am unbale to get another account anywhere.  Has anybody else had this happen.  I am finding it hard to pay bills without one at times.  Plese share your experiences or suggestions as to how I can get another bank. 

  

thank you 

  

Tea 

I was wondering if anyone has any suggestions on our problem....my new husband (almost two years but we've been together for 4 years) has a son who will soon be 18, Thank God, who has put us into so much debt we have lost our house, car, filed bankruptcy and are now living with my mom.  The son has serious mental problems and has committed serious, despicable crimes.  His crimes, since he was a juvenile, have cost us thousands of dollars and the State (Washington) has come after us for the cost-plus of housing him.  I am middle aged with little skill and I am looking for work, (just applied for another today) but this area we live in has had heavy layoffs so everyone with skills are filling the jobs.  My husband works full time at a good job, but the state and bankruptcy are taking $5000.00 of his $6,000.00 a month salary.   We have sold everything we have of value but just can't seem to get ahead.  I don't need sympathy nor critism, just solid suggestions.  I am apparently not thinking of something.  I've asked Dr. Phil for help during all of this, even pleaded, but it went on deaf ears. 

What happened to me was the result of a company not following what they said and at the same time me writing a check that I thought would clear with no problems.  I got the notice of deficiency from the bank and went immediately to the bank talked to a person and said I cain't pay it today but I can within a week.  She completely disregarded what I said and 'you know what happened'.  About three months went by before I pieced together what had transpired and called the bank - no luck - nobody at the bank would answer my questions. 

  

I then wrote a letter to the Chief Exceutive Officer and detailed exactly what happened giving names and dates and what was said.  I don't even think 10 days went by when I got an answer from the EVP in charge of accounts appologizing to me profusely for the banks flagrant errors committed by the banks people who should have known better And he was upset that noboby at the bank followed bank procedure.  Because I had told this person initially that I would have the negative cleared up in a week and followed thru - this EVP himself got the ball rolling and cleared the mess up and made it possible to get another account at another bank. 

  

Tea, you arn't going to get another account until the other account is cleared up and you may be prevented from getting another account from 1 to 5 years depending on your state.  Now - as for paying bills - easy - take your paycheck to the bank it's drawn on - cash it and get money orders or take the cash and go to a post office(usually cheaper).  You will have to use this system until..... 

  

When you get the second bank paid off - go to that banks manager ask for the name of the CEO and plead you case nicely and professionally. 

If you get through day one, you can start going toward day 2. If you can get through until noon, then you can concentrate on getting through until 6pm. Addiction is a bitch.  It wants you back- please hold on. We love you.

A couple of things.......     1).  I would bring it up on the first date.......in fact, I wouldn't until the conversation turned to jobs, money, buying a house, and that sort of thing....There's no need to share your situation unless the relationship seems like it is very possibly getting serious....     2).  I would seriously consider Bankruptcy.  Yes it sucks, but many times it situation like medical debt, where the price is so high, you'll never be able to pay it off, or maybe the credit card companies just kept pushing more credit on you, then when you missed a payment, or got near max, they socked you with high interest payments....in which case,  the hell with them, they ultimately must bear some of the responsibility and loss.....I mean if you had to start over with no possessions and no credit, just your current job, and an apartment, would you be happier, and healthier/.  If so then I would seriously look into it, but again....I have no idea where this debt came from.  If it is simply overindulgence, then you need to start selling your stuff on ebay and applying it directly to your balances....I should know, that's about where I am right now....Hammer44

sorry I posted a reply to a reply to your message....check it out and tell me what you think.....Hammer44

  

  

       my  husband and i have been married for 30 years , three kids two already married and gone, one 15yr old at home, she is great a straight a student , although we cannot give her even the basics alot of time, we have struggled drowned for all our lives, the only thinng we have is each other but the stress has cause  many problems ,  my husband has had 4 heart attacks and unfortunately  i  have epilepsy which is greatly  influnced by stress, we just cant win , i caan even afford food half the time, i made a meatloaf for our thirtyth anniversary , we dont even have wedding rings , its depressing that we haae such a amart daughter and she wont get to go to college cause of our failure to handle the bills , medication , dr bills , health insurance , hospital bills, and lot more, has plaqued us , IS THERE ANY HELP OUT THERE TO SET US ON THE DREAM OF CELEBRATING LIFE INSTEAD OF BEING DEPRESSED ABOUT WHAT WE CANT DO , OUR HOUSE  NEEDS MUCH REPAIR AND WE ARE GETTING NO WHERE FAST , ,MARY  

ifeel as   though that we are hopeless, we just fall deeper and deeper in this endless dark hole, just tryong to figure how to get back the laughter the smiles, the we live  in fear the word need come into each situation , we live in a world of fear and worry that the next problem is going to leave us out in the cold and homeless, why are we such huge disaster at this thing called life, i love  my husband and my kids yet its hard to to eeeexplain what the dark room of depression leaves me , a scared, frightened how we can exist ,

The reason people don't get ahead is that they concentrate toooo much on what their problems are instead of either how to solve them or how to get out of whatever.  I used to be like this until one day I woke up and started to focus on ways to get myself out of my mess.  I knew and still know that a mess cannot create itself again overnite - so I stopped worrying about the mess and started focusing on ways to get out of it.  Try this - try focusing on getting out of your mess. 

  

By the way tell your daughter Congrats and ask her how she is able to focus and not dwell on the situation???