(no subject)

[technoir]

I dont want anyone to think this is asking for sympathy pr pity. I try to not be that person. I dont always succeed but I try.

But fucking enough already!!!

Aparently my student loan got away from me. The how is not important. Hell I am almost the same person any more. But somewhere in the shuffle of life it got lost. more than a decade out of school they took my tax return which is is I guess as it should be. They have that ability after all. It sucked but there you go. I called the Department of education and asked them to send me the information on it. This information got turned over to a collection agency. They called friday while I was out and left a message. I just got the message today cause my roommate just got back in to town. I called. I want to start trying to fix this. Immediately the woman begins in with threat of 15% garnishment of my wages. That if i dont pay her now the process will be filed friday at 3. I tried to get her to call me back friday when i get paid. She says no that is unacceptable. I will be calling her tommorrow to arrange payment of some kind. The studently loan after interest is more than 3,908 dollars. I still have a pile of medical bills i am trying to wade through. So many infact I have lost track with how much I need to pay. The funny part was i was going to sit down friday afternoon and go thru everything. Oh and my insurance is going to cost more now as well. I am trying to do it right. I am trying to make it all fit. Damn it. Why wont it work.

edit: Also my bank account is in the hole.

for 4 and a half years now I have been trying to climb out of the hole. 4 years since i was homeless and living in my car and borrowing friends couches from time to time. Yet everytime I think have got a handle on things something else happens. What is it going to take? Do I have to fucking die. Sometimes it feels like it would be fucking easier.

But no, before anyone thinks I have gone suicidal relax. i am not stupid or a coward. I will keep trudging along but damn it when is it enough. Cant i have my life too? Look here is my deal with fucking universe either give a break or fucking do me in.

I am done.

TechNoir

Comments

[ora-de-montale.livejournal.com]

Sounds pretty bad. :(
But please, don't stop fighting! You know, the Fate gives us only as much as we can handle.
I believe in you.

[outlawcoon.livejournal.com]

Money troubles can cause some of the highest stress, and collection agencies are infamously not amendable people. I've heard it's because they get so used to dealing with deadbeats and liars that they assume everyone's that way--talk about a job that I so wouldn't want.

It's hard to keep on, but it's good to hear that you're not giving up.

[forestblend.livejournal.com]

I really sorry, bro... there really aren't any words that will make it seem any better. All I can say is admire your persistance and determination to get it all straight, and the credit people like to throw threats and make it seem as if you have no other options but THEIR way. Try and speak to someone who knows about credit and finances and see if thy can find you a better foothold. Keep it up, my friend, the light at the end of the tunnel is not always a muzzle flash.

[virtualmel.livejournal.com]

*hugs* Hang in there!!

[lilisonna.livejournal.com]

My student loan also got lost in the shuffle for a while, so I understand your pain.

I strongly suggest finding a reputable credit-counseling agency (non-profit is a must; check the web and friends for recommendations) before you talk to the collections agency. Good luck!

[twelveoaks.livejournal.com]

Collections people who harass you on the phone are the lowest form of life, imo. They kick you when you are down. After my IBM layoff money ran out a few years ago I once temporarily stymied one of them by asking (with an infant screaming in the background) if his company was hiring. After a while I just took solace in being weird to them to see if I could get a rise, but that's probably not good advice - kind of like tormenting the neighbor's pit bull or something.

Hang in there, and don't let them get you too upset. They are bullies.

[technoir.livejournal.com]

Lately I am begining to wonder if I belive in me.

[technoir.livejournal.com]

In of themselves i suppose I would not mind them. This one pretended that they knew me when they talked to my room mate. When I called the number I was cusrious. Then I got angry at the trickery involved.

But the thing is it isn't just this. it's all of it. I am in financial quicksand. My job is paying horribly. ever since I was laid off from earthlink my pay rate has dropped. I feel like all the progress I made has slowly slip away and i dont know how to stop it.

[technoir.livejournal.com]

beats being homeless and unemployed and in jail.

[goblinkatie.livejournal.com]

Got to Clark Howard's website the man is a genius when it comes to dealing with collection agencies, and I believe he has a specific section on student loans.

::hugs:: You'll get through this sweetie, I know you will.

[luckypooka.livejournal.com]

*hugs* I don't have anything specifc to add, really. Just letting you know you're in my thoughts.

[stagefreaky.livejournal.com]

*hugs*

[pipistrella.livejournal.com]

Collection agencies use a lot of high-pressure talk. You CAN tell her that you will pay them Friday. You need to talk to someone who can tell you what your rights are here. They are NOT supposed to be able to harrass you like this. They might be able to garnish your wages, but they also make a lot of threats mostly because their job is to get money out of you as soon as possible.

Seriously, their job is to make you feel like human garbage and frighten you with threats. Do not, repeat not, let them make you feel that way. Almost everyone gets into a bad financial situation once in a while.

[technoir.livejournal.com]

yeah well I have been in bad finances for over 10 years. I am just so damn tired of fighting.

[technoir.livejournal.com]

I have checked his site and there is some useful stuff there, but alot of his collections stuff is for standard debts. Student loans have a whole bunch of different rules.