Hope

Seriously. I got more bad news today. I got a letter from an attorney and I am about to be taken to court for an unpaid credit card bill. They are trying to put a judgement against me. I can't pay this freaking crap right now. I'm so mad. I really don't know if I can take anything else right now. It is one bad thing after another. I brought all of this on myself but I just need a little bit of hope somewhere.
Things feel so hopeless right now. What if this is how the rest of my life is going to be? Just one big hopeless mess.

I wished that I could have a drink today and just get some relief. I need relief. I want to not deal with this stuff. Fear is overwhelming me. The fear of not knowing what is going to happen. But if I drink then things will be even more hopeless. So I choose not do that.

nogard

Thats the disease talking Cheryl, talk to the attorney, talk to the people you owe money to and make an arrangement with them, just make sure you front up and talk to them.

In the end its finite and its not a good reason to get wasted, there are no good reasons.

Its just for today and I know what its like to be chased for money, just hang in there and sty close to freinds and the fellowship and keep on talking

Love Kevin

SaTiT

Cool Hope,

then don't deal with it....i mean what are they going to do you ? ..nothing.
Your credit score dosn't look too good thou..but hey, the last thing you
need right now are more bills. But heck, damn credit card companies
offering me card anyways even when my credit was bad.

i got sued when I hitted bottom..I showed up to court thou...
Now big deal...I told the judge i had no moola,
Then the judge told the lawer " the man has no moola"..lol
and i was reminded i owed money..giz freaken whiz,
and i thought i was crazy .


You can't give them what you don't have.
when you get money just pay them back...that's it.
The lawer type the letter already..so he'll want his cut too.lol
they can't squeeze blood out of an apple ya know.

yeap..play the tape til the end, hope.
yeah..if you get buzzed, you'll feel even more like crap.
Then you'll feel even more depressed
Then you'll feel even more crazy
Then you 'll do even more stupid things and cuase more wreackage.
and it'll be even a bigger, bigger mess to clean up.

indigo

I think that sa said it all for me, I wish you the very best and you will be in my heart and positive thoughts dear Hope.

Rowan

Cheryl,

I know how overwhelming all of this stuff can be - but you've been given some solid suggestions. Show up, and be honest. Just don't drink, no matter what.

Hugs

SaTiT

Okay Hope, there is Hope

I heard somewhere in an AA meeting that the fears of my finacial
insecurities will be removed, if I work the 12 steps and stay clean and
sober.

Holly schemolly..man that was a touch one.
I never actaully wanted to get clean sober to begin with.
But my life was such a freanken mess..so i made a fox hole prayer...
this is before AA even, before I got the letter in the mail from the lawyer.
I told god that i would do anything (i was actaully shouting in the dark)
if god would make my life better..

I swear to you ..I didn't even know what AA was at that time.
But for some stupid reason I heard a vioce..a very, very gental vioce.
it told me I had to stop drinking and doing dope...holly schemolly !!!
I was a total pothead and drunk and that was a hell of thing.
I didn't even relized how drinking and using had a direct corrolation
to how mess up my life was..To me..i got wacked to cope with the mess.lol
That was how my thinking and perceptions was at that time.
I love catching a buzz...and that was a hell of a message.lol


then two weeks later i found myself sitting in AA...wtf???
seriousely..half of me was feeling the heebee geebeess.
I slept in my car becuase home was a freaken mess and i had
the heebee geebeeies.lol

anyway..the message that came to me was..i needed to
work on getting clean and sober..god didn't care what fellowship
i went to. I also needed to put everything else aside..
I mean everything...what about a job ?, a place to live?...money?.ect.

Nope..that was the deal..god answered my prayer and told me
what i needed to do..and yeap, I struggle with it for a while.
The instructions was totally backwards to what how I was raised
and belief and being a productive member of society.

Recovery became my work...it took me a while to figure it out.lol
So you know... i started mopping the floors of AA and stuff like that.
GOD became my employer.

crazy ?? maybe...
I had a gun to my head that night alone in the dark.

Anna

Cheryl,

Hang on and talk to the attorney and people involved. You'll be able to work out something. Don't give up.

Captain Kirk

Hi Hope!
I know how you're feeling. I'm in the exact same situation. It's not very nice, to say the least. But I'm really enjoying being sober.
I believe that for you, like me, from here things can only get better. Drinking's not going to fix anything. If we hadn't drunk in the first place we wouldn't be in these situations now.
Think of how nice things are going to be in 6 months or a year from now if we don't drink - that's the hope I live on.
I hope you're doing ok.
Have a nice day.

Ann

An alternative to trying to pay what may not be workable, is bankruptcy. Talk to a bankruptcy accountant/trustee about this option.

Although it will leave you with bad credit for 7 years, it will also leave you with no debt and a chance to begin again financially. There are small things you can do to rebuild your credit more quickly and they will advise you of this and what would need to be done.

Or, if your debt with this company would be workable if you could make small payments, then figure out what you could manage, ask them to waive the interest, and make an arrangement. It is sometimes helpful to tell them you are considering bankruptcy if this arrangement is not acceptable (which means they would get absolutely nothing) and sometimes that helps them get to the bottom line more quickly.

Thinking, not drinking, is the solution and there IS a solution that you could live with, but first you have to be willing to live life on life's terms. I think you can.

Hugs

Aysha

I'm in that boat with ya. Just talk with the people and most likely they are gonna want to work a deal with you that is workable. They just want their money and if you gotta give them $5 a month. They will probably be happy with that.
Not really but you get the idea.
It will work out.

parentrecovers

sending suppoort, k

dave47

As many have said,get onto them and come to some arrangement.Is there a Citizens Advice office you can contact?I had a court summons once and i contacted the company and offered a deal.Their compromise was still too much but on advice i was able to make low monthly payments.They will quickly come round if they think they aren't going to get anything.Keep strong.

Rowan

Hey Cheryl,

Hope you check in soon - wondering how you are doing.

Tazman53

Keep that #1 or the whole thing will go into the crapper!!!

As others have suggested, call the people and talk to them, they would much rather work a deal with you then spend money taking you to court.

They are not out to screw you, they want their money, if you call them and are sincere in working a deal with them they will do what they can to work with you.

Have you spoken to your sponsor or any one else in your network? There are a lot of folks that can do a lot more then we can, all we can do is offer advice and support, your sponsor or any one else in your network could possibly provide a solution.

leeside

Alcohol will just put you in the corner where you wont deal with the problem and where the problem only gets worse.

Perhaps it would be a good idea to cut-up all your credit cards and get a debit card.

Missymae737

Hi Hope,

Thinking of you...

You will be ok...

Mack23

I know how you feel, I find it tough to face my problems so I just escape it by getting high.

A good friend of mine once said to me that to find peace we have to walk through our troubles, to find light we have to walk through darkness. (I guess, I really should learn to take that to heart myself) So maybe you need to face all of that **** that's going on right now before you will find peace and calm in your life?

In any case drinking won't solve anything, but you already know that

Mack

Hope

Hey, I'm here checking in. I'm still sober and plan on staying that way. Life on life's terms can be painful.

I've been talking to people today trying to find a solution. I have a really bad headache tonight probably from all of this stress.

Someone told me that bad debts fall off your credit report after 7 years anyway. But then I heard from someone else that it isn't true. I don't know but I am quickly finding out.

Rowan

Hi Cheryl,

Thanks for checking in. Here in Canada, bad credit reports fall off after 7 years, and if you claim bankruptcy, I think it's 10.

Bottom line - you're sober. Life on life's terms can most definitely be painful - keep moving through it, and do the next right thing. You're growing stronger every day.

Love Row

Hope

That is so good to know! Especially on those days when I feel like this: LOL!

Sober is definitely better though. At least I'm not still drinking and causing more problems.