My life. I don’t get it. Here I am 47 years old, divorced 4 years, dating the same man for 1.5 yrs now. I feel so incredibly invisible. I have gained some weight and can see the disgust in his eyes when he looks at me. He would never say anything about it, but I can see it on his face. And now I find that all this time I thought he was still having feelings for his ex, it’s really feelings for some chick named “Annie” who I have never heard mention of before, and he dated just before he started dating me. Well, Perry County Annie must be all that and then some. Why the hell is he with me?
It’s not just that. Debt collectors calling non-stop. I don’t lie to them. I don’t have the money, trying to recover financially from a divorce, unemployed when we divorced and almost 2 years after, I have a seriously massive debt. I am trying to pay but it is difficult to “catch up” when there was no money coming in for such a long time.
Everyone is busy. No one to talk to. That is the tip of this very deep iceberg.
Christmas. Just another day for me to sit home alone while everyone is with their loved ones. I am lonely and alone and will be till I die.
share your suicide story
Report Post
Please log in to report posts
4 comments
It may not be the best way to handle it, but when a debt collecter, or any other person working on an “important” situation calls my house, I just don’t answer.
Hey Notfeelinit: Sorry you are having a tough go. Don’t be afraid to ask for help. You can go to http://www.nfcc.org/CreditCounseling/counseling_02.cfm and get on a debt management plan. I think they are legit since they are an IRS eligible charitable organization. They have local member agencies all over the nation, so there is most likely one in your region. You are just a phone call away! I used to work as a bill collector and we generally tried to work with debtors if they sought out this sort of help. It usually was that or bankruptcy, so we were happy to get some money rather than none. Bankruptcy is also an option, not a pretty one, but it’s there for a reason. As for being out of shape, I hear ya, gurl! I’m your age and can’t believe the unfortunate changes in my body. I started walking and it helps immeasurably! Even just 15-20 minutes around the neighborhood gets me out of the house and into the fresh air – not a lot, but it’s free and it definitely helps… especially with my sleep. I’m a horrible insomniac but when I exercise, I sleep like a rock. Do things to feel better about you and don’t worry about that dumb man. They are kind of like giant children anyway… just someone else to take care of. Why don’t you worry about taking care of you for now. Merry Christmas.
First off the Debt collectors, ……….. Change your phone number, list it under a different name, that is legal.
Second, Stop all respsonses to debt collectors, every time you speak, or make a small payment you are acknowlegeing the debt. Your Debt has been sold to a collection agency, the entity which you owed the debt too has written the debt off on their taxs and they have nothing to do with the debt anymore. The have various lenghts of time to collect depending upon the state, usually 7 to 10 years. If you stop all contact, answering phones or replying by mail, email, or making a small payment, the Debt Clock again starts at day one and they again have 7 to 10 years to harrass you.
Either pay it off, or never speak to them again,
File bankruptcy, yet since your credit is ruined and even if you repay it the credit will still be ruined for 7 to 10 years from final repayment. STOP ALL Contact with them. If they show up at your door slam the door in their face.
Now it’s a totally different thing if you have used your property as collateral for any of the loans, they can take you to court and then place a lean against your property, they may have already done that if so.
Loose the weight, go to OA.
caucajun: She has a job. If the balances are large enough, they can sue her, get a judgment and garnish her wages. If she still has credit accounts or even a bank account in good standing, they can skip trace her and serve her with papers. The only way evading the debt is a good scenario is if you are prepared to be invisible for a while — no credit, no job, no assets — until the statute of limitations runs out, (7 years from last transaction). If the debts are all small, say under $3K-$5K, she can refuse to pay and send them a cease and desist, although, depending on the creditor, they may sue her in small claims if they keep it in house. An agency won’t sue for small amounts ’cause they have to hire an attorney and sue in civil court. Every debt situation has its own unique solution. There is no one size fits all solution.