• quietone said on Jun 27, 2008....

  {{{{{{{{{{{{{{{{{{{{{{{{{{{{{{hugs}}}}}}}}}}}}}}}}}}}}}}}}}} massive hugs my dear friend MeMy.. I am so sorry for your troubles.  I hope the lawyer will have some good words to relieve you of some of this stress. I have no advice.. just that I will pray for you.  And remember... we are never given more than we can handle.  Thinngs will work out.. some how some way.  I know it don't seem like it now.  :(

• Actorguy said on Jun 27, 2008....

  I have been where you are now MeMy, and I know how terrifying it can be.  I don't know what the American situation is, but in Canada there are a number of agencies.... Salvation Army, Churches, Food Banks and the like.... that can help out in a time of crisis.  I also know how hard it is to accept charity, but it's not like you're sitting on your butt, drinking beer all day.  You're working your tail off to try and get out from under this.

  Keep faith MeMy and maybe the lawyer will be able to help.  My thoughts and prayers are with you.

• hidufel said on Jun 27, 2008....

  I will hope you can get through this without any more trouble! Youre a good person, i believe good things can and will happen for you!
  
  Heres to a bright future for you, ((HUG))
  

• botoni said on Jun 27, 2008....

  MMI....Hopefully a lawyer will have plenty of good advice for you.  I've been down to that last rung like you are at the moment.  I know that you have the strength and the will to claw your way back up the ladder.  Look into every bit of help that you possibly can.  As Actor has said dont be to proud to accept what's there for you.  Ask every agency for help and take the advice that they give.

• catch22 said on Jun 27, 2008....

  OMG....I wish that God would take this from you and throw it on my back!...throw away the credit cards.Only buy with cash ,or not at all.Things are going to get very tough for all Americans now thanks to the oil scam. Pray for you? YES!,...this is the least of what I wish I could do to help.Just remember...it's always darkest before the dawn. Things will change.Have faith in your dreams,and act upon your wishes. People care about you.NEVER GIVE UP THE GOOD FIGHT!

• the_infernal_optimist said on Jun 27, 2008....

  ((massive, massive hugs))
  
  I hope something works out for you, MM&I.
  
  ~Infernal
  

• ninjapirate said on Jun 27, 2008....

  I really hope things get better. Don't give up, fight fight fight. You'll get through this and be better for it!

• travelr712 said on Jun 27, 2008....

  well, the only way you 'won't' get through this is if you die, and i sincerely hope that doesn't happen. my point is, you will get through this, one way or another. you have the right idea, you're trying to do something about it.
   
  you are also in the same position that nearly 100 million other americans are in right now, overextended on credit and little or no income. my point here is that it isn't a situation where you screwed up and got yourself into this position. true, you overextended yourself on credit years ago. but then, the economy tanked and the ability to have an income to pay off that debt was taken away. not your fault. you would pay your bills if you could. that's no different than anyone who took out a subprime loan to buy an overvalued house and now can't afford it because prices are high and employment is low. this is such a common scenario that the gov't has been struggling for nearly a year to keep our country from going into depression. they wouldn't be doing that if only .01% of the population was having a problem. bear sterns would have gone bankrupt and the investors would lose their money and that would be that.
   
  so how does any of this help you? well, right now, it doesn't. only that you'll get through this, you'll find a way to survive, and in the next couple years when the economy is back on a good footing, since 1/3 of the country is in the same financial and credit score position that you are, it won't matter what yours is.

• PAPERBACKWRITER said on Jun 27, 2008....

  (((((((((((((((((((((((((((((((((((((((((((((((HUGS))))))))))))))))))))))))))))))))))))))))))))))))))))))))))
  
  Oh MeMy!
  
  You´ll get through this.  You are strong, a survivor.  Even in this time I can feel the strength by reading your post.
  
  You asked for support, and here are all those who believe in you.
  
  We will all pray and send lots of positive energy your way.
  
  I echo the words of others, if it is possible to avail of help from public, or private institution, please take it!  Until you regain your ground again, and with your perserverance you will regain it sooner than you think.  As you already wrote above, you have been debt free before...and you will again.
  
  ((((((((((((((((((((((((((((((((((((((((((((((hugs))))))))))))))))))))))))))))))))))))))))))))))))))))))))))))))
  
  I´m sending a PM.
  
  
  Yours,
  
  joanna
  

• gingersoul said on Jun 27, 2008....

  M&M.....i am sorry to read this....
   
  But you are a fighter....you went through a lot already....
   
  Hope you will find support in all the words we are sending to you...
   
  Keep us update.....

• wombat said on Jun 27, 2008....

  I am so sorry to read this!  When I was single, I got myself into a similar situation after I got hurt and had to miss 3 months work, living off my credit cards....one thing and another.  I had to see a lawyer and he helped me figure out what to do.  It wasn't all pretty--but I got past it, and I know you will, too.  I will definitly say a prayer for you to find a way back from this, and for much better days ahead.  You aren't alone on this---with this economy the way it is---people will be lining up at that lawyer's door before long.  I hope the man of the house will find a job soon and help out in this situation.

• -ocean- said on Jun 27, 2008....

  Hey,

  Talking to a lawyer will be the best thing you can do, but dont worry I am sure you can get through this when they see how hard you are working to try to pay off debts. Hold on in there and try not to despair, think positive even if its hard!!

  love -ocean-

• husbandhater said on Jun 27, 2008....

  I'm am scared to mm&I. Do you have room in that tent? I'm not going to say i'm going through a simular situation,but close is something like it. Man of the house is working but couldn't take over or handel the Bills if I didn't work or lost my job. I'm drowning due to my recent purchase of a car. I had no idea of the expense involved and wish I would have just rented a car instead. That way if I could no longer afford it or if I didn't want to drive it anymore I could just give it back.
   
  But now I'm stuck with this monster expensive responsibility that is causing major static between my husband and I and is fast becoming a financial burden in this economically trying time. Keep your head up Memy. I'm saying a prayer for all of us to get through this. As I watch the thingsthat we are all going through around me. Did you try Catholic home charities? They will pay your back rent for you if it's not too much and if you can prove you have gainful employment to keep paying it. Also welfare can offer you a oneshot deal where they pay off what is due. You have options Mm&I you just have to look around.

• hotaka said on Jun 27, 2008....

  Are you bloody serious? Holy crapola, MMI. That is serious stuff. Wasn't there any money from fire insurance? What's the man of the house doing about this? Isn't there anyone - friends, family - who can help you out? What can you do with all your things? What about debt consolidation? There must be other options to this conundrum. I do sincerely hope you can find a way to get through this without having to run off to the woods with the Coleman.

• mOOn_platOOn said on Jun 27, 2008....

  All my love and best thoughts. Everything will become positive.

• secretlife said on Jun 27, 2008....

  mmi..........prayers coming your way.  i hope they help you.

• Me-Myself&I said on Jun 27, 2008....

  I am so humbled by all of your comments. Thank you!!!!!!!! I don't have anyone else besides you all. And that is more than enough :~} Again Thank you so much.

  I have my niece here for the weekend. This is good. Young fun, loving kid! I needed it. *smile*

  So, i've got to keep this as short as i can, without being disrespectful to you very fine folks.

  I called a few lawyers this morning, i am more than able to file bankruptcy. Being in this shape at this time in my life...POOR is good.

  All my utilities and rent are paid in full and on time! Have been for the past years. It's the credit crap.This even looks good on me. And i have not charged anything in two years neither, this is even better.

  Tuesday and next week i'll go check the lawyers out....listen and learn! First time visit is free so i'm going to shop around quickly. I only have 20 days till court!!!!

  Court, the word alone scares me to death. Right along feeling ashamed.

  I have to give my 30 day notice to my landlord so i can get my deposit back. wow.

  I said i was going to keep this short.... i quess i was wrong. It feels good to unload!

  Anyway, i have a "list" of things to do. I am focused and checking one by one off. Git er done!

  I truly do respect, care and love you folks. My neighbors, my friends. *smile*

  I will seek help, i must! For insurance at the time of the fire, my insurance company cancelled me for a bad roof just 4 mos before the fire. I only had title insurance, to cover the loan on the house. I had only 21 payments left too. That was 4 years ago. Been clawing my way to the light ever since. I am conditioned, i will survive! But i do need support so i won't go down.

   Lordy.... can you tell my mind is full, i am just a rattling away. Sorry.

  Maybe the answer to these terrible times in the world, do like the 60's did.... form a hugh commune!!!! Live and work together. No orgies. *smile*

  I got to go and play cards with my niece, THANKS again you all. ~see ya

• wombat said on Jun 27, 2008....

  And Aces High!   Hang in there!

• woman said on Jun 27, 2008....

  So sorry to hear about your problems. The good people here have given great advice so I will just say you are now in my prayers and that I believe the lawyers will be able to help you. Try to take care of yourself.

• hotaka said on Jun 27, 2008....

  Sounds like the war is just heating up as you get your defenses together. Perhaps you will come out with only few injuries but no great loses?

• averagejoe said on Jun 27, 2008....

  I have seen on TV different ads that you can get a bankruptcy lawyer for so much down and the rest is in payments. Not sure about your situation, only what you wrote here, but it might be what you need to do. As soon as you file, they will put a hold on everyone you owe, so it will hold them off from being able to act against you until settled in court.

• CreativeWoman said on Jun 27, 2008....

  MMI,
  I will pray for positive things to come into your life. Hang in there.
  
  CW
  

• ladyoftheether said on Jun 28, 2008....

  I'm almost there too, hunny, but not quite that bad. I'm praying for you love!!! You did nothing to deserve what you're under, its one of those curve balls God throws us to make us stronger. Unless you decide to give up on life (please don't!) then the only thing that can really happen is the continuance of life. It'll pass, and once the whole ordeal is over, you'll barely remember it all, kinda like childbirth, only you won't be willing to do it again!

  xxooxxooxxooxxoo

  I'm praying for you tonight!

• papajack said on Jun 28, 2008....

  we be praying for you, me-my.

• queenparanoia said on Jun 28, 2008....

  hold on.... hld n... you can make this through....

  {{{{{{{{{{{{{{{HUG}}}}}}}}}}}}}}}

• scipio said on Jun 28, 2008....

  I hope my prayers in some way will lighten your burden.

• Me-Myself&I said on Jun 28, 2008....

  Good Morning! Another day.... i slept well, a first too. It was all the prayers and love you all sent my way!!!!  I wish everyone of us could be together right now. I would hug you all. *smile*

  You know.... i can look at the whole picture, i know i am not alone. There are others much worse off than me. But when i get like this, all i feel is my own pain and sorrow.

  Today all i want to do is enjoy my neice and pretend all is well. Tomorrow i have to get all my bills/papers together to take to the lawyers.

  I can not believe what i have done to myself. I wish you all were around 4 years ago. If i had a support group like you all, i'd slowed down to think right. When something happens as bad as a housefire, well i wasn't right AT ALL.

  But that was then and here i am now. I don't or won't make the same mistake again.

  I can not express enough how you all have made a difference in my life!!!!

  You all just maybe right, after this gets taken care of, life will be different.

  I can only worry about just my living expenses, This would be a burden lifted.

  Maybe another decision i have been wrestling around with can be made now ;~{

  Well, ....hey.... JackFM is playing "Let It Be"  cool! (headphone are on my head.)

  I love when i feel the magic in this world. You all are magicial to me!!!!

  Got to go fix my neice's breakfast now. 

   Next week is going to be a wild ride, heck the next few weeks are going to be!

  I will try to answer each of you. I hope my long replies will show you all how much you mean to me. And how much you have helped! I could not do this without you all.

  THANK YOU ALL SO VERY MUCH!  I LOVE YOU. XO Debbie

   

   

   

• wombat said on Jun 28, 2008....

  Good to see your positive attitude....still wishing for things to get better.  And when you are stressed out, I am certain you don't need to worry about individual replies.  You know?

  {{{{{{{{{{{hugs}}}}}}}}}}}

• darksoldier054 said on Jun 28, 2008....

  I know the feeling well.  But I must say (with mortal fear of overusing the cliche) one thing I have learned is that it is truly always darkest just before the dawn.  I used to live my life in the gloaming....that most amazing time of night when day meets night...then I was thrust in to a seemingly everlasting night...then I saw the dawn and I realized it is truly the strong who can make it to that point.  Dont worry you will make it and you will be better for it.

• hidufel said on Jun 29, 2008....

  Im glad for you, your positive attitude, and the help we can all provide, even if it is but to wish you well. Hang in there! Im wishing you and end to your troubles, as quickly as possible!

• Me-Myself&I said on Jun 29, 2008....

  Quietone ~ Thank you my dear friend. i needed that - back at you! (hope you are enjoying yourself in Iceland) i can and will handle this. i must. fighting with all my might. take care

  Actorguy ~ well you know.... when i got that "paper" from the "officier" i got instantly sick. But this my be the key to opening up my new door to a better future. you think. i will keep the faith. Thanks!

  Hidufel ~ Thank you *smile* things will turn around.... no pain no gain!

  Botoni ~ All things happen for a reason....i have got to remain focused and strong, i know. i will find a way. at least i have a support group to sound-off too. *smile* Thank you.

  Catch ~ My cards are long gone. i cut them up 2 years ago. you know, i never had a credit card till after the fire. i wasn't right in those days and acted like a kid in a candy store. i always paid cash for everything. yup, it's always darkness before the dawn. oh.... i have my fighting gear on now. *smile* Thanks take care

  Infernal ~ i do believe or hope that everything is going to be just fine. i grow stronger thru each and every blow. (hug) Thank you.

  Ninja ~ yup - what doesn't kill you makes you stronger! i am fighting and won't give up. you all give me the strength just by listening....letting me  - letting off stream and tears. releases a load of pressure! Thank you.

  Travelr ~ misery loves company huh? yup, i know there are folks worst off than me. in a couple of years from now i can look back at these days and *smile* I made it!!!! Thanks alot for stopping by.

  Paper ~ I asked and recieved. sigh....i love this place and you all!  it will take about 6 wks or so for the bankruptcy to go thru. so in a couple of months.... *smile* Thank you for the pm and being such a fine friend. (hug) X

  Ginger ~ i have studied the do and don't of bankruptcy on the web. i am about to get a "cleansing". i have found a place to store my belongings. so if i can't find a place i can afford and have to live in my tent. i have to buy my rent by the 19th of july. and give my notice that i am moving in 30 days. i need that depoait back! i can't keep this up!!!! too much. :~(  i have been looking for sometime now, it ain't as easy as it sounds. huh! anyway.... we will see. thank you for stopping by.

  Wombat ~ the man of the house is....! anyway as i was telling ginger i am about to get a CLEANSING. a good scrubben. *smile* live and learn! lordy....thank you for being so kind.

   

• Me-Myself&I said on Jun 29, 2008....

  Ocean ~ Thanks! being this poor and in debt is going to be a postive thing....if you want to think postively. *smile*  at least for bankruptcy. they will see for themselves that i am doing my best with what i got. i am keeping up and paying my "living cost" up and on time so.... this bankruptcy is going to relieve me of the terrible stress i've been under for years! sigh

  HH ~ me too ;~( yup i have and am looking at all my options. i knew it was coming.... all this crap huh.... i am focused now. if i do end up down by the river in a tent (more than likely too) well, you come on down and we're sit by the fire and share tales. *smile* thank!

  Hotaka ~ i only had title insurance, it paid off the loan on the house. my home insurance was cancelled in Nov. for a bad roof. the fire was in Feb. i lost everything! even my pets. ....hey, me and Coleman are great friends. plus Mother Nature has always watched over me. *smile* Thank you for coming by.

  mOOn ~ *smile* Thank you so much. I am honored.

  Secret ~ i can not express in words what you all do for my soul!!!! yes, you are my refuge. (hug) Thanks.

• Me-Myself&I said on Jun 29, 2008....

  Wombat ~  she held all the aces....she won, go figure *smile*

  Woman ~ Thank you so much. There are some mighty fine folks here, aren't there? *smile* i really can't get along without them.

  Hotaka ~ i do believe you are correct! Thank you.

  Averagejoe ~ Hello. yup i read about the lawyers holding off the creditors. Thank the Lord! sigh.... my first lawyers appointment is Tuesday. i am about to learn more. Thank you for coming by.

  CW ~ Thank you. i am like that poster with the kitty hanging on with their claws as they dangle in mid air. :~} hanging in there, i am!

  Lady ~ Thank you for those words. i giggled at the comparison of childbirth and this ordeal! *smile*

  Papajack ~ Thank you, coming from you i feel blessed already, i mean that too!

  Queen ~ (HUG) holding on with tooth and nail! Thanks.

  Scipio ~ I want to be a happy go lucky gal!!!! Thanks for stopping by.

  Wombat ~ a very big (HUG) Thank you for your support and concern. XO

  Darksoldier ~ yup, i'll be better all the way around - cause i am learning things i will never do again! i am focused on the beam of light. onward i go. Thanks!

  Hidufel ~ i am hoping in a couple of months this is going to be just a nightmare i had.... and i am wide awake. *smile* Thank you so much!

  THANK YOU - THANK YOU -  THANK YOU ALL!

  you all are my "heros" Bless you all. XO ~see ya *smile* thanks for that too

   

   

• rmuxagirl said on Jun 30, 2008....

  oh MMI i wish I had read this earlier!  I am sending you all the hugs I can and all the prayers that I can.  MMI I just know things will turn around and you can get back on track with everything that you need to do in order to do so.  I love you greatly and enjoy reading your words.  If bankruptcy is an option I would go for it.  I tried but student loans don't qualify.  You are always in my thoughts!

• Me-Myself&I said on Jun 30, 2008....

  Rmuxagirl ~ you sweet soul! Thank you so much for your kind words. *smile*  I looked at another place today after i got off work.... it was a place i could afford, but already rented. shootfire! I'll keep looking!!!! Well, i've ran around SoulCast for awhile now. Got to get off and do some calling. Thanks again. Take care ~see ya

• hotaka said on Jun 30, 2008....

  I hope things will start looking up for you soon. I admire your fighting spirit. It will surely save you in the end. Good luck!

• RollingC said on Jul 01, 2008....

  I admire your spirit.  Keeping stubbornly positive and trusting in God will put you through this with flying colors, you'll see.
  I'll keep you in my prayers.
  God Bless...
  Rc.

• Me-Myself&I said on Jul 01, 2008....

  Hotaka ~ Good morning! Thank you very much. My fighting spirit....huh! well.... all i know is i am giving it ALL i got....left! Tired alot lately. I am cleaning "8" homes this week. wow. money money MONEY! *SMILE*  Thanks again!

  RollingC ~ nice to see you. hope you doing fine. There is one thing about me....i am very stubborn! lol. Also, I am as scared as a child. I suck it up and keep on going. I am looking at another house today after work, it is a hundred dollars less a month in rent. I'll see!!!! Heck, i need to quit smoking cigs to save money but i won't even try "right now". But ....but i am rolling my own, lol....i feel like i'm back in the 70's. You should see these things....*smile*  Thank you for coming by and for your support. It and all these comments are my life-savers. For real too! Take care ~see ya

• RollingC said on Jul 01, 2008....

  I'm tempted to clean out the house....rent it out and then rent an efficiency or room somewhere in the neighborhood.  I think it'll be a money saver for me as Insurance will be cheaper.   Want to rent a house in Dade County ?
  :^)
  Rc

• secretlife said on Jul 02, 2008....

  thinking of you this morning mmi- and keeping you safe and sound in my prayers.  you have NOTHING in this universe to feel shame about, and i just know that the judge will see what i see, so have no fear, and hold your head high.
  love to you.

• travelr712 said on Jul 02, 2008....

  it's kinda funny to think about memy, if you could somehow talk to the you that you're going to be 2 years from now, what would you want to learn from that you, and what would that you want to smack you for doing now? :-)

• Me-Myself&I said on Jul 02, 2008....

  RollingC ~ thanks. i am renting now. I am glad too because if i owned a home now, well....   :~(  but someday soon, i'm hoping and a praying, that life one way or the another will straighten out. if not i can only keep on keeping on. if life can change in a blink of a eye for the worst, well it can turn-around just the same. so i wait. take care

  Secret ~ hi. *smile* long day today. sigh.... thank you, your words are so kind and postive that i just don't know what to say. giggling.... Thanks again. *smile* well i got 5 houses done  already this week. tomorrow i got 2 more to do. wow! anyway, i have talked to a laywer already. i have 2 more to see- one Monday and the another on Thursday. Friday i'll make my decision which i feel the most comfortable with. Then hirer him/her. Still looking for a home. I got 17 days till i pay rent and put my 30 days in to move. just got to, too hard coming up with the money, too stressful! anyway, i'm tired, need a bath and bed i go. Thanks again Take care

  Travelr ~ what a deep question! huh....first of all, if i started to smack myself for every stupid things i have done lately.... i'd beat myself to death. that doesn't sound like fun or a good idea. But i LEARN! i don't do too many things wrong - repeatedly. In the 2 years past i have learned how strong i am and full of will to live!!!!  well there you go. my best answer being so tired. *smile* take care

  ~see ya

• Mamie said 8 days ago....

  hey how'd I miss this story? I am so happy you have landed safely!! Keep smiling girlfriend! Mamie

• Me-Myself&I said 7 days ago....

  Mamie ~ WOW! looky here what i have done! it is almost two months later and .....POOF! all better!!!! *smile* yup, i have landed. i still have some battles to win, by i have found out the hard way....i fight a good fight! ;~) so no fear. lol *smile* love ya ~see ya

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