the hits keep coming

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Kiraz
Regular Member


Date Joined Nov 2009
Total Posts : 76
   Posted 4/6/2010 7:46 AM (GMT -7)   
Great, I'm being sued????? a few years back I had a credit card, I overdrew it trying to live, not being manic, but I lost my job, and couldn;t make the payments on it. I kept up with it as long as I could, and now its been marked down as refusal to pay. They are sueing me!!!!

Last time I talked to them the guy on the phone started yelling at me getting all mean, so my husband suggested I stop answering when they call because it upset me so much, so I did. And now I'm being sued for the money. I can;t afford to pay them either the monthly fees, or the payoff fee.

Last thing I needed today, when I already have a power bill over 2 grand, and we don't qualify for financial assistance.


I wish disability didn't take so long, I really could use the extra money right now. I'm scared to go get a job because it might affect getting the disability even.

I've been having so many good days lately, but right now my head is just swirling on me and I don't think I even know what to do first.
Diagnosed Bipolar 1995
Successfully Treated now in 2009.
Abilify 2.5mg 1xpm, Seroquel XR 50-100mg PM. Topamax 75mg 2x daily


getting by
Forum Moderator


Date Joined Sep 2007
Total Posts : 40572
   Posted 4/6/2010 8:33 AM (GMT -7)   
I wouldn't let myself worry so much about it. It takes a while for the process and they often will settle for a lesser amount. You don't even need an attorney to do this.

I had many credit cards that I couldn't pay off when I got fibromyalgia. I settled with one for less than a quarter of what I owed, there was one that took me to court, but never even showed up so it got dismissed. And another one that just forgot about me. So it isn't as bad as it seems right now. I think you will find that you are stressing for nothing. I know it seems scarey, but don't let them scare you. They love it when people owe them money. They like to keep you in debt.

Hope that this helped some.

Hugs, Karen
  Moderator-Depression and fibromyalgia
 
fibromyalgia, Chronic fatigue, depression,allergies


Kiraz
Regular Member


Date Joined Nov 2009
Total Posts : 76
   Posted 4/6/2010 1:28 PM (GMT -7)   
it is stressful you;re right. my husbands credit is horrible, so we've been trying to fix mine so we can afford to buy a house.
I don;t understand the system at all, so naturally I'm freaking out. Do I have to show up in court I mean? I can;t handle courts, They scare me big time! I'm not even sure how I'm going to manage the lawyers office next tuesday for my disability meeting thingie.
Diagnosed Bipolar 1995
Successfully Treated now in 2009.
Abilify 2.5mg 1xpm, Seroquel XR 50-100mg PM. Topamax 75mg 2x daily

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