| User | Comment |
|---|
Melf    | | posted 12-Jun-2008 2:23pm |
Get off the narcotics (probably much easier said than done), and set aside an hour to sit down and systematically go through each bill, starting with the most important. Write down what you can deal with and deal with what you can't as harshly as possible. Prioritise best you can. |
| Enheduanna | | posted 12-Jun-2008 2:24pm |
Try to work with all your lenders. Taking care of it will probably feel better than the uncertainty and anxiety you're dealing with now. There's got to be a way to work something out. |
LindaH    | | posted 12-Jun-2008 2:28pm |
Sell stuff off, downsize my lifestyle, try to work with the lenders. |
| moviesnob | | posted 12-Jun-2008 3:07pm |
I'd see what kind of debt help programs my state/area has. I'd sell what I could, and would get some kind of debt help. |
judgescratch  | | posted 12-Jun-2008 3:24pm |
shoot.
I've had nothing to do at work for several months now myself. It's friggin sucky.
In terms of the debt, I think that I'd do whatever I could to claim the bankruptcy. |
| ausfox | | posted 12-Jun-2008 5:24pm |
For starters, I would never get into a mess like that. If I did though, I would take pills to numb the pain. lol |
| Cleo | | posted 12-Jun-2008 10:49pm |
Try to work with your lenders
Other: PRAY! |
| jettles | | posted 12-Jun-2008 11:04pm |
work with lenders first then walk away.... |
| JessicaWoman99 | | posted 12-Jun-2008 11:21pm |
Take more and more pills to help manage the pain and work with lenders or you could "WIN" the lottery
a big huge windfall or maybe hey just disappear for good out in the woods and hope they do not find you
Never ever say suicide to anybody??? No No you should be ashamed of yourself |
| Irene007 | | posted 12-Jun-2008 11:49pm |
What would I do with this mess? I'd divorce him!!! |
| Kristal_Rose | | posted 13-Jun-2008 3:15am |
Scale down.
Sell the cars anyhow and just make payments on the loss. Dump the sales into your highest interest debt.
Buy a quality electric bicycle with trailer to do your shopping and commuting.
Keep the house and pray that the US economy collapses entirely so your mortgage folks will leave you alone.
Keep in mind food (& other) costs will dramatically increase over the next few years. If you can't cover your mortgage and minimum refinanced credit payments on two jobs now, you need to sell the house too.
You position is nothing to be ashamed or depressed about. You can have fun with less stress on a bike and renting an apartment. Between the fuel crunch and a speculative economy, this was bound to happen. |
| Pomeranian | | posted 13-Jun-2008 3:38am |
oh man I hope this aint autobiographical ... crap. |
| bill | | posted 13-Jun-2008 7:38am |
o try to calm down
o avoid building this up as a huge disaster in your head
o you've gotten out of worse situations in the past and you'll get out of this one too.
o try to be logical and practical about this, to find a solution
o there's no quick fix here, but if you work at it, over time you'll get through it
o consider coming up with a budget, track where all your money is going now
o find ways you can cut back on your spending
o work with your creditors to come up with a payment plan that you can handle
o don't worry too much about owing more than your house/cars are worth
o consider debt consolidation, though be careful of scams
o stop taking narcotics, they will only make things worse
o find some courage to do the right thing |
| they | | posted 13-Jun-2008 7:46am |
Pay the house payment.
The other stuff can wait... or be walked away from. Just pay the house payment. As long as the other lenders don't put liens on your house, you should be fine with not paying them.... and even if they do put liens on your house, it will only take longer to pay off, so it wouldn't hurt you in the moment.
This is ck, right? The cats need you to just keep making that house payment! |
Iseult  | | posted 13-Jun-2008 8:18am |
Save everywhere I can.
Get rid of both cars, and buy two really cheap ones.
Work with the creditors.
Try to pick up a trird job or something. |
| cerealkiller | | posted 13-Jun-2008 1:15pm |
Welcome to my life. My answers are all the above except commiting suicide so far. Found out the other day it's worse with the house than I thought. My realtor says my house today is worth $175,000. I owe $440,000 on it. Not worth going on with that anymore.
My son and his family are leaving town and heading for Las Vegas to look for work. So, we're going to abandon our house and rent his house for half what my mortgage currently is. And his house is in a better neighborhood and 500 sf bigger. It's all a nightmare so far with him trying to sell all his stuff, pack and move out while we're trying to move into his house at the same time.
Our house will short sale or be foreclosed on. Currently in my town alone 1200 houses are in foreclosure.
Also hopefully will give me financial room to deal with creditors. |
| cerealkiller | | posted 13-Jun-2008 2:14pm |
I have no choice but to take the narcotics right now. About a month ago the anxiety was getting so bad my legs were shaking uncontrollably all the time, I couldn't eat or focus on anything. It was taking on a life of it's own destroying me physically no matter what I tried to do.
My shrink has me on a small dosage of clonopin every day which has drastically cut the physical effects of the anxiety buy my mind is still spinning figuring out how I'm gonna accomplish all this moving, the cats, foreclosure, etc. and survive it all.
I still don't eat much, have lost 15 lbs in the last 3 months. When I do eat I find myself getting full halfway through the meal. |
| LJD | | posted 13-Jun-2008 11:00pm |
Get off medications. Talk to your lenders, and try not to fret. This scenario is probably going on around the country. Remember you're not alone. |
| Kristal_Rose |
Think of it as heroic adventure rather than a disastor. People do crazy things like jump out of planes to ski down mountains all the time. Your stress rather than welcoming of the situation adds unnecessary resistance. Laugh at the joke. Things work out.
Don't stay on clonopin too long or take too much. Risky stuff.
Get out for walks on the beach or in nature, appreciating your pure senses until your head clears entirely, then answers with better perspective will naturally arise, otherwise you'll just spin blindly in the labyrinthe.
Think of yourself as Jackie Chan. |
| LJD | | posted 13-Jun-2008 11:07pm |
Get off medications...they mess with your blood chemistry...you then lose more control.. Talk to your lenders, and try not to fret. This scenario is probably going on around the country, more than you think. Remember you're not alone. I know people, that are right now going through this scenario....very heart breaking.
I suggest you take Milk Thistle (silymarin) to protect your liver. Take a good liver formula to calm yourself. This will help you to better cope.
|
| kcthedog | | posted 14-Jun-2008 8:48pm |
That’s being between a rock and a hard place! I have been there; I wish I had an answer that could fix it. My best suggestion is to get some financial counseling and communicate with the creditors slow down on the narcotics and ask God for a little help.
|
| cloudhugger | | posted 14-Jun-2008 10:54pm |
I would push the red button. |
| Crayons | | posted 15-Jun-2008 9:38pm |
Go on the Dr Phil show. |
| LindaH | | posted 15-Jun-2008 9:54pm |
Got fire insurance? heh |
| Biggles | | posted 16-Jun-2008 10:43am |
See if you can glean any advice from the moneysaving expert website. It is UK - based, but some things are probably similar and you may be able to save some money. You may have to make some difficult decisions to reduce your expenditure - I know it would probably be heartbreaking for you, but perhaps you might consider giving some of your cats away (considering that if things continue as they are, you may not be able to provide for them in the future). Can you get any professional advice without having to pay through the nose for it - a citizens advice bureau perhaps? Your bank might also be willing to sit down with you and give you some free advice if the alternative is that they have to write off your debts if you do eventually file bankruptcy (e.g. if you lose your job).
Is there any chance of your wife getting a job? |
| southernyankee | | posted 16-Jun-2008 8:20pm |
Quit one of my jobs so that I would qualify to file bankruptcy.
Give all my assets away to trusted friends and relatives, go live with one of my close friends or relatives. Then let my creditors sue me, because I wouldn't have anything anyway. |
| Jody | | posted 17-Jun-2008 12:35pm |
I'd meet with a lawyer or other professional counselor to figure out exactly how bad things are. The Motley Fool web site has a great bulletin board for people to discuss credit cards and consumer debt which is very helpful. Then I'd consider cutting down on spending wherever I can or take on an additional part-time job. I might also consider taking in a roommate to help with expenses. Then I would work with my creditors to get a repayment plan in place. Then I'd just slog away until things got better. |
| Zang | | posted 20-Jun-2008 5:06pm |
Walk away from the whole mess. Become a drifter. Hitchhike around the country, getting odd jobs washing dishes or construction labouring or such. Cash under the table of course. |
| midagehippie | | posted 6-Jul-2008 10:15am |
I'm planning mine right now! |
