Prayer request

ryanmercer · #1 (**permalink**) 07-12-2009, 11:31 AM

Actually a couple of things... I don't like airing my dirty laundry but meh.

So I was never taught about the evils of credit cards and what not. That being said...

Please pray that I find away to get my debts to a manageable level so that I can move out, I really can't take it in this house much longer, and God forbid anything ever happen to my income as I can barely pay my debts now.

My mother is not a pleasant person, she is not a nice person, she is not a tolerable person, and I have to hide my religious beliefs from her so I don't end up on the street as with my debt load I can not afford to move out and due to crazy interest at this rate it will be years and years before I can move out (I seriously don't see myself able to move out before 30... can't get companies the debts are with to budge a percent on interest, and don't know anyone who will help me out at all).

Thanks everyone.

pam · #2 (**permalink**) 07-12-2009, 01:58 PM

We should then be praying for the multitudes of people who have found themselves in the same situation dealing with credit card debts.

FairChild · #3 (**permalink**) 07-12-2009, 02:34 PM

I understand what it is like to live with a difficult person. Even on the best of days, it is never easy. It really sounds as if you need to talk with somebody that really understands money. I wish you well and you will be in my prayers.

ryanmercer · #4 (**permalink**) 07-12-2009, 03:01 PM

Oh I don't need to talk to anyone that understands money... unless they want to travel back in time and tell me what I know now YEARS ago. Talking isn't going to do anything about this situation, the debts are there I simply have to repay them, and now I know to never borrow in any form unless I absolutely must in the future.

havejoy · #5 (**permalink**) 07-12-2009, 06:10 PM

Have you considered getting a second job to use just for paying off debt? I did that years ago and it was pretty amazing how quickly the debt was reduced.

ryanmercer · #6 (**permalink**) 07-12-2009, 06:14 PM

Quote:

Originally Posted by havejoy

Have you considered getting a second job to use just for paying off debt? I did that years ago and it was pretty amazing how quickly the debt was reduced.

Most people around here can't get a FIRST job right now. That's all I'm gonna say on that.

FairChild · #7 (**permalink**) 07-14-2009, 06:25 PM

Actually, when I was thinking of finding someone that knows how to talk money, I was thinking of perhaps finding someone that could help consolidate your loans or CCC Counsumer Credit Counseling so they could get your intrest rate on your cards cut to a lower amount.

ryanmercer · #8 (**permalink**) 07-14-2009, 06:51 PM

Quote:

Originally Posted by FairChild

Actually, when I was thinking of finding someone that knows how to talk money, I was thinking of perhaps finding someone that could help consolidate your loans or CCC Counsumer Credit Counseling so they could get your intrest rate on your cards cut to a lower amount.

Consolidation is just gateway to other trouble usually, places like CCC can usually not negotiate any beter rates than the consumer, a decent goodwill letter and repeated sincere attempts to get help from the debt holders works just as good as anything a 'credit counselor' can do. Thanks though