New Rants on the way!

So, writing every day didn’t work out this week!  I am so busy fielding calls from creditors wanting money that I just don’t have much time right now.  It is like knock it off!  I am looking for a job frantically and the phone rings off the hook with these people.  They suck.  And there isn’t anything I can tell them right now.  Hey I am unemployed and have no money coming in.  How about giving me a 4 month reprieve?   HAHAHAHAHAHA  Not happening.   They of course understand that I am experiencing a hardship right now, but they want their money.   I get that, but I don’t have any to send. 

So, I end up having to call one of those get out of debt with our help companies.  Not sure what they are all about, but what I gather is that they work with the companies you owe money and try to negotiate a settlement for less the amount you owe.  Which by the way, I could actually do myself!!  But anyway, they work with them and you pay them, then they pay the credit companies.  So, I really don’t want to do that, but I am running out of options.  When your credit sucks, no one will give you credit, so getting a consolidation loan is out.  Even a second mortgage is out.  Leaving you pretty much high and dry.  (Remember this – credit cards are evil!!!!)   But they did help me keep my kids fed when I didn’t have money to go to the store.  But still, now they are pure evil!!!  

So I digress.  When I asked this company who is going to help me get free from debt how the program works, like do they make the payments for me, or do they pay it all off and then I pay them??    The answer I got made me wonder what the hell do I need them for?  The most important issue for me is:  MAKE THE CALLS STOP!!!  So I ask will the calls stop coming?  Guess what…..nope!  I turn the situation over to them, and the calls keep coming to me.  So, my credit keeps getting shitty throughout the whole time I am with them.  They don’t pay off the statements that I owe, they just manage the money and do exactly what I can do without them.  So, what is the advantage?????  Hmmmm….NONE!!!!!  

So, I wasted my time with that adventure.  But I guess the old lesson learned is still true:  IF IT IS TOO GOOD TO BE TRUE, THEN IT IS!  DANGER!  DANGER!  STAY AWAY!!!!

Next rant coming:  I almost had a job, but my personality got in the way!