posted on Dec, 28 2010 @ 05:20 PM
You are obviously a very diligent and honest person. Please relax and good job getting that bill down, that was going to be my first piece of advice.
Second piece, you are a good writer. Compose a letter regarding your circumstances during these hard times you are in, personalize to each vendor.
When ever a vendor calls you, respond with the fact that nothing has changed. Only speak to a vendor one time per day or they will suck you dry. You
have no job and $50.00 is your current cash flow. On $50.00 per month, I gather you have savings. Tell no one. What they need to know is currently
you have $50.00. Apply for unemployment, when you get it, do not pay the bills even then. It will be a pittance.
Third piece, when they go into collection, always call the collection company back with a status but only once per day. DO NOT pay the bills until
you get a new job. If you own a home permit the vendors to record a lien against the property. You must contact your local HUD office on your
residence ASAP. Stop paying your house payments for 90 days, then start paying from your savings if you do not have a job and put your house on the
But, my friend, do not let them inside you, they do not get to have you, yourself, your calm. Its been war for quite a while and now you are in. Be
calm, ask for help, keep your cash.
I know what you are thinking this person is a grifter. No, this is from experience, me, little goody two shoes and her spouse, used their cash, paid
up everything like a couple of Pollyanna's and when we were both not working, our bank canceled our credit lines and American Express took the cards.
I have a myriad of horror stories but who needs to hear them, no one. You and everyone have enough of their own and if they do not, we can move on
over to the Illuminati, Bilderberger, Skull and Bones, etc thread and debate those who do not. I would find them either suspicious or next on the
list. Be brave, know that you are not alone.