Credit Card debt.



No. But I have a truck that will be paid for this month. What a coincidence.


Three years ago, I left my job to into business for myself with a company called NASE (they sell health insurance) but they lied to me, stole my leads and a district manager got fired over what happened to me. But I didn't want to try and work for a crooked company and I had run out of savings, half of which I paid debt with. I cashed in my retirement to do it. which was only about $25000.

So then I was forced to find another job, I got one right away after having to borrow money from a friend to pay my rent.

But i no longer had enough money to pay for anything more than my food, truck, gas and rent.

I finally found a great paying job and started to put money in an account to pay off debt (at this time I wasn't hearing anything from any creditor).

I got married. The very next month the company I was working for went under and i got laid off. I had saved about $10k but my wife got laid off at the very same time (this is not fiction and we are not losers).

So we used my money to pay the bills. SHe got a job first and it is a really good one, she still has it. I decided to start my own company doing what i was doing for the other company. Well, it wasn't as easy as I thought it would be, so it is barely paying for itself.

So now I'm in school for anther career.

I offered a lesser sum to these guys, but it was on the phone ( I kept no records) and they flat out told me I was a loser and a sorry human being and didn't accept my lesser offer.

SO I got mad and humiliated and just stopped talking to them. I started another account and have saved about $2500 so far to pay my debts. I bascially garnish my own wages at 25% gross. But I don't make very much money so it is taking a long time. Plus we had a baby and I have to take care of him full time and manage my unprofitable business and go to school, so I'm up till about 4:00 am each evening.

I know, everyone has a sad story. I'm not saying my excuses are justified, just asnwering your questions.