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theoak01

theoak01

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that wonderful fucking feeling of your heart racing,no clear way to make things better and living in my own personal hell.

yes its that wonderful anxiety.

thanks to me being a nice guy and putting something on my credit which my parents assured me would be handled but wasnt im being sued,thats fun, and im trying to find odd jobs till I get the career thing going,which is taking fucking forever,I really just dont know what to do,Im so close to claiming bankruptcy it isnt funny, just take it all,start over clean that would be great.

thank god for benzo's,im gonna pop some before I have a fucked heart attack. jesus can it get any worse.

i guess the positive thing is i still have a great girl beside me and im alive,but fuck i just feel so god damn helpless right now
 
I'm sorry. I could help you with at least a little advice if you were in the US, but I don't know a thing about how it all works in Canada.
 
thanks heather,ill survive though, I mean how much can they really do when I dont have an income.

I think bankruptcy might be a good option,Ive just had a really rough year financially got in over my head, live and learn i guess
 
Go to a debut colsolidator/creid care company you claim bankruptcy and you are fucked for 7 years.
 
debt consolidation isnt an option when there is no money coming in,Im at the point now where Im basically going to lose everything slowly anyway,im being sued so this will be on my credit just as long I figure
 
Damn bro. Sorry to hear. Especially about the financial issues, that's fucked up.

Man, I get anxious sometimes. Thinking about shit that I need to do, and sometimes the littlest things will go wrong and ill dwell on them. it's hard for me to get to sleep some nights because i lay down and all these thoughts rush in to my mind.

Bro, if you need anyone to talk to privately i'm here man. PM's, phone, AIM, MSN whatever you got.

On a lighter note, i tried adding you on myspace.com the other day and you had to have your email or last name. if you want my page is www.myspace.com/derek335 if you want to add me.
 
wow, sorry to hear that.I dont really think that this early in the game that you should claim bankruptsy.
 
theoak01 said:
debt consolidation isnt an option when there is no money coming in,Im at the point now where Im basically going to lose everything slowly anyway,im being sued so this will be on my credit just as long I figure
Click to expand...
My cousin was a single mom had next to no income coming in and the credit care companies helped her out find a non profit orgnization check out there options. I am pretty sure you are aware of this if not you should be the police do a credit check on you when hiring you need to have higher then an R9 credit rating.
 
im going to a financial advisor i think,and ya i know about the cop thing,but im not going that path anymore anyways,atleast not for a long time.

fuck i just need to clear my head and sort this
 
theoak01 said:
im going to a financial advisor i think,and ya i know about the cop thing,but im not going that path anymore anyways,atleast not for a long time.

fuck i just need to clear my head and sort this
Click to expand...
Make sure it is a non profit org there is all kinds of them. How much are you being sued for? A lot of creditors say they are going to sue but unless it is in the tens of thousands of dollars they ain't just a scare tactic.
 
superqt4u2nv said:
Make sure it is a non profit org there is all kinds of them. How much are you being sued for? A lot of creditors say they are going to sue but unless it is in the tens of thousands of dollars they ain't just a scare tactic.
Click to expand...


its retarded its 1300bucks ,I put a computer for my family on my line of credit and they neglected to pay it off,now a local company contacted me and is prepairing teh court papers as we speak,its no longer the creditor im dealing with.
 
theoak01 said:
its retarded its 1300bucks ,I put a computer for my family on my line of credit and they neglected to pay it off,now a local company contacted me and is prepairing teh court papers as we speak,its no longer the creditor im dealing with.
Click to expand...
They are full of shit they don't take you to court for $1300.
 
superqt4u2nv said:
They are full of shit they don't take you to court for $1300.
Click to expand...


I would contact this local company and tell them that you are contacting a debt managment co. and want to resolve this with out going to court.
 
superqt4u2nv said:
They are full of shit they don't take you to court for $1300.
Click to expand...

i was thinking the same thing,I guess ill believe it when the papers are in my hand, right now im just trying to relax,Im a real worry wort so this is driving me nuts.

and im worrying about this new job ive spent so much to get started with little progress so far.

sub,i think i will
 
theoak01 said:
i was thinking the same thing,I guess ill believe it when the papers are in my hand, right now im just trying to relax,Im a real worry wort so this is driving me nuts.

and im worrying about this new job ive spent so much to get started with little progress so far.

sub,i think i will
Click to expand...


i definately would. I mean unless this is a really small, new company i highly doubt that they will take you to court until a last resort. they have much bigger debtors (is that even a word?) to go after. I think it's most likey, as stated, a scare tactic for now. They may be getting the papers ready but i wouldn't expect anything soon. But i'm certainly not an expert on this.
 
Bro, if you can pay them anything at all, it'll help. If not, tell them the truth & they might work with you. They're still gonna want your next sale.
 
hidn,I wish I could man,but I was under the impression this was taken care of by my parents whom I got it for, and im having my own money issues so this certainly wasnt something I needed added to the mix.

sub the company is pretty big,citi financial so 1300cdn seems like peanuts but who knows man
 
dude you are waay to young to think about bankrupcy.
that will scar your credit forever, use only as a last option
 
Ludendorf said:
dude you are waay to young to think about bankrupcy.
that will scar your credit forever, use only as a last option
Click to expand...


i was under the impression claiming it at an earlier age is better then when your older as you have more time to bounce back
 
theoak01 said:
i was under the impression claiming it at an earlier age is better then when your older as you have more time to bounce back
Click to expand...

i just would hate to see your credit fucked at such a young age.
i was in a similiar spot but got talked out of it...hard to get a mortgage with that on your report
 
theoak01 said:
hidn,I wish I could man,but I was under the impression this was taken care of by my parents whom I got it for, and im having my own money issues so this certainly wasnt something I needed added to the mix.

sub the company is pretty big,citi financial so 1300cdn seems like peanuts but who knows man
Click to expand...


yeah that's a pretty big ass company. Like i said, i'd def. get in touch with them and try to work it out with out court or bankrupcy. I would definately be talking with your parents about it, since they told you it was taken care of. I know it's hard when it's close family like that, but it's not fair to you either.
 
thats what ive been told aswell.

im just in a hard spot,I expected to be working weeks ago at this new job,but licenses are taking forver to come in and my part time side shit fell through and I got fucked royally so ive been with no income for a few weeks now and im fucked and not seeing a whole lot of options,this just put the icing on the cake
 
sublime35 said:
yeah that's a pretty big ass company. Like i said, i'd def. get in touch with them and try to work it out with out court or bankrupcy. I would definately be talking with your parents about it, since they told you it was taken care of. I know it's hard when it's close family like that, but it's not fair to you either.
Click to expand...


citi refers me back to this local company,buddy said the only way I can do anything is to come up with 800 minimum and then pay the rest off over time,and that wont happen as im broke and not working and my family has their own money issues because they arent responsible,and anytime i mention this they just yell and scream,so I get nowhere.

fuck it,im just gonna ride it out i guess
 
all we need is 130 members to donate 10 bucks. Give the addy and I'll donate 10 or set up a paypal account. Its a worthy cause. At least I would know 100% of the money would be going to the person who actually needs it.
 
hang in there bro. Good to hear that you have a girl now, that always makes things more bearable.

I thought you had your career well underway, security right?
 
Lestat said:
hang in there bro. Good to hear that you have a girl now, that always makes things more bearable.

I thought you had your career well underway, security right?
Click to expand...

security and private investigation,and i did last fall,but then the company i worked for promised more then they could deliver and i was back at square one,but in the 6 months working for them bought a car and am stuck with that,been working shit in between,nothing steady,and been waiting over a month for a new company to get my licenses in so I can get back into the security and pi stuff with a far better company. just takin forever
 
theoak01 said:
citi refers me back to this local company,buddy said the only way I can do anything is to come up with 800 minimum and then pay the rest off over time,and that wont happen as im broke and not working and my family has their own money issues because they arent responsible,and anytime i mention this they just yell and scream,so I get nowhere.

fuck it,im just gonna ride it out i guess
Click to expand...

lmfao @ $800, they are trying to get the most out of you by suggesting an over the top amount...if they assume you can pay $800 why the hell would you be in that spot to begin with? Don't believe the legal threats, they will keep on trying with such scare tactics. Sometimes collection agencies even have "law offices of..." in their name to make you actually believe they are suing you...just tell them you want to pay the minimum and they will let you.
 
collection companies are all yelling and screaming until you convince them that for all the bullshit, they have 2 choices: 1) shut up and take the money slowly or 2) get nothing.

there are at least 3 layers of yelling and screaming with bullshit threats etc etc until they settle on a deal with you. theres a lot of psych that goes with debt collection. they try to make people feel lucky about being able to pay the money back.

oh and bankruptsy for a 1300 debt is crazy. crayyyyzeeeeeeee dont even think about it
 
to file bankruptcy you have to prove you have more debt than equity. I believe there are some other things involved also. They don't just let you file. You have to go to court and all sorts of shit.
 
my family is going to take responsibility about the situation so im gonna try and work a deal to avoid court. once they settled down i think they realized i was gonna peak if they didnt sort this bullshit out
 
theoak01 said:
that wonderful fucking feeling of your heart racing,no clear way to make things better and living in my own personal hell.

yes its that wonderful anxiety.

thanks to me being a nice guy and putting something on my credit which my parents assured me would be handled but wasnt im being sued,thats fun, and im trying to find odd jobs till I get the career thing going,which is taking fucking forever,I really just dont know what to do,Im so close to claiming bankruptcy it isnt funny, just take it all,start over clean that would be great.

thank god for benzo's,im gonna pop some before I have a fucked heart attack. jesus can it get any worse.

i guess the positive thing is i still have a great girl beside me and im alive,but fuck i just feel so god damn helpless right now
Click to expand...

Here in good ole Texas, the can sue you but they can't collect shit. It's that way in a lot of states. Is it that way there?
 
theoak01 said:
that wonderful fucking feeling of your heart racing,no clear way to make things better and living in my own personal hell.

yes its that wonderful anxiety.

thanks to me being a nice guy and putting something on my credit which my parents assured me would be handled but wasnt im being sued,thats fun, and im trying to find odd jobs till I get the career thing going,which is taking fucking forever,I really just dont know what to do,Im so close to claiming bankruptcy it isnt funny, just take it all,start over clean that would be great.

thank god for benzo's,im gonna pop some before I have a fucked heart attack. jesus can it get any worse.

i guess the positive thing is i still have a great girl beside me and im alive,but fuck i just feel so god damn helpless right now
Click to expand...
bro you should call me.would love to chat.we can wollo togather.

pm me if you wont.
btw good luck man we all hit bottom evry now and then.
 
superqt4u2nv said:
My cousin was a single mom had next to no income coming in and the credit care companies helped her out find a non profit orgnization check out there options. I am pretty sure you are aware of this if not you should be the police do a credit check on you when hiring you need to have higher then an R9 credit rating.
Click to expand...


I'm pretty sure that was a run-on sentence.





Oak, what are you being sued for?
 
biteme-I dunno how that works here to be honest,I dunno how they can collect when im unemployed

needto-im not much of a phone person bro or id give ya a ring

hansel,im being sued over 1300dollars that wasnt paid for a computer
 
needtogetas said:
bro you should call me.would love to chat.we can wollo togather.

pm me if you wont.
btw good luck man we all hit bottom evry now and then.
Click to expand...

You can't even have a beer! You have hit rock bottom. Remember Rock Bottom from Felix the Cat?
 
theoak01 said:
biteme-I dunno how that works here to be honest,I dunno how they can collect when im unemployed

needto-im not much of a phone person bro or id give ya a ring

hansel,im being sued over 1300dollars that wasnt paid for a computer
Click to expand...
lol they cant get blood out of a rock.
 
i just hate the anxiety this shit brings me,im like a completely different person when i have these fits
 
theoak01 said:
biteme-I dunno how that works here to be honest,I dunno how they can collect when im unemployed

needto-im not much of a phone person bro or id give ya a ring

hansel,im being sued over 1300dollars that wasnt paid for a computer
Click to expand...


Hopefully you can avoid court cuz it will cost a lot more than 1300 if not. Your parents gonna help now? Sounds like a mix up. You'll get through it bro.
 
i basically flipped when they tried to pawn it off on me,and then they left,we had some thinking time,i grabbed a nap and when i got up they wanted to talk about it and are now willing to help sort this out so i dont have to goto court,thats 600 more in court fees
 
how old are you?
I fucked up me credit in my rollicking 20s
I didn't do bankruptcy,but worked deals with my creditors
still though settled, that era was bad marks on my credit
I remember rebuilding by getting a secured credit card from capitol one for 2 hundred dollar credit line
6 years later when I bought my first house the 50ish loan officer said she had only seen one credit score higher than mine
I get offers every other day in the mail
no interest for 12 months
or the best,no transactions fee(balance transfer) and no interest for 12 months
I move my debt around interest free for ever
my debt isn't much,and most of it is locked in at 3.9% with american express
 
theoak01 said:
once i get this job working i was gonna colsolidate anyway,this just put a big bump in the road
Click to expand...
i'll give you all the advice you need
just tell me
debt levels
assets you owe on
your expected revenue streams,with this based on your past income history,unless there's a big change
obligations you consider paramount
a couple of other questions to follow up
I'll give the straight answer in 5 minutes or so
 
theoak01 said:
citi refers me back to this local company,buddy said the only way I can do anything is to come up with 800 minimum and then pay the rest off over time,and that wont happen as im broke and not working and my family has their own money issues because they arent responsible,and anytime i mention this they just yell and scream,so I get nowhere.

fuck it,im just gonna ride it out i guess
Click to expand...
you can do much better than that
back when I fucked up citibank was my largest creditor
I settled for 80% of the balance
still was a bad mark
today I get citibank offers so frequently in the mail
I toss them away
I have 2 citibank cards now
because of the different rewards programs
my main citicard has a 260$ cash balance I can request a check for
the other has some outrageous summer incentive program
pays 10% on restuarant charges
and 20% on hotel charges
they got a cap,but hell that's insane
 
4everhung said:
i'll give you all the advice you need
just tell me
debt levels
assets you owe on
your expected revenue streams,with this based on your past income history,unless there's a big change
obligations you consider paramount
a couple of other questions to follow up
I'll give the straight answer in 5 minutes or so
Click to expand...

debt levels-not including car about 10 grand among a few debitors
assests owed on-car
expected revenue once I get working 1300 weekly
car and student loan are paramount as car i need for work and student loan has cosigner who will fucking kill me if I fuck up.
 
theoak01 said:
debt levels-not including car about 10 grand among a few debitors
assests owed on-car
expected revenue once I get working 1300 weekly
car and student loan are paramount as car i need for work and student loan has cosigner who will fucking kill me if I fuck up.
Click to expand...
mirrors my situation back then
I was thinking 10 grand was hell
1300 weekly can easily service your debt w/o credit counseling
and fuck no bankruptcy
 
i know once im working im good to go,thats why I wasnt worried until the being sued issue came up, and since im not back working yet because paperwork being slow im making nothing so thats why im in a spot
 
I have a friend who went to college for retraining.. The disabled fella I've mentioned before. He owed $14000 or so in student loans. His disability progressed fast & wasn't able to pay off loans. He's on CPP & disability= no money. They still call. 5yrs since his last payment. There's nothing they can do.
 
theoak01 said:
i know once im working im good to go,thats why I wasnt worried until the being sued issue came up, and since im not back working yet because paperwork being slow im making nothing so thats why im in a spot
Click to expand...
what was the amt youre being sued for
1300 a week is good,even pre-tax cash flow
I'm assuming your domicle expenses remain the same
consolidate the crap debt,pay it off
whatever don't do bankruptcy over that amount
make the minimum pymts on the larger debt and wipe out the smaller ones
less hassle factor
american express gave me no trans fee free checks with a 3.9% ceiling for the life of the debt
I rolled a bunch of poor decisions into that bastard
 
4everhung said:
what was the amt youre being sued for
1300 a week is good,even pre-tax cash flow
I'm assuming your domicle expenses remain the same
consolidate the crap debt,pay it off
whatever don't do bankruptcy over that amount
make the minimum pymts on the larger debt and wipe out the smaller ones
less hassle factor
american express gave me no trans fee free checks with a 3.9% ceiling for the life of the debt
I rolled a bunch of poor decisions into that bastard
Click to expand...


im being sued for 1300 and ill be making that a week once i get working,ill be ok if my parents sort this debt that is on its way to court out,otherwise ill be in shit,still wont claim bankruptcy,I was just real wound up earlier,im more relaxed now
 
for me it was i was into my career,could afford everything i had and then the career fell through and i was then making less then half of my previous wages,worked those jobs for a few months then decided my career was all that made me happy and im making a move back into it risking it all.

so definately not those reasons
 
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