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14 May 2005 @ 03:15 pm
I'm gonna get my kneecaps broken  
Due today (seriously past due, in fact): more than $900 for health insurance, more than $300 for the minimum payment on my credit card

In my checking account: about a thousand bucks.

I seriously don't know what I'm going to do. I'm so fucked.
Current Mood: gloomygloomy
Ninja Nicknick_101 on May 14th, 2005 11:06 pm (UTC)
Settle for a loan, perhaps?
gwalla: halloweengwalla on May 14th, 2005 11:10 pm (UTC)
Who the hell would lend me money? I don't have a job and it looks like I may never get one.
scribe_of_stars on May 15th, 2005 02:40 am (UTC)
Ack. Three times ack. O_O
*~Kitty~*demoncat on May 15th, 2005 02:50 am (UTC)
Actually it's not that bad. You could be in WAY WAY WORSE. ...trust me on this.
The best thing you can do is contact your insurance and your credit card provider and work out a payment plan. Do it Monthly, Bi Monthly or whichever is best for you.
Do it soon though, it'll just get worse if you ignore it.
Drooling Fan Girldroolfangrrl on May 15th, 2005 02:50 am (UTC)
If somebody wanted to throw some cash at you, how would they go about doing that. (not a ton o' cash, just what they could spare)
gwalla: halloweengwalla on May 15th, 2005 03:08 am (UTC)
Well, I've got a PayPal account, but really, I don't mean to beg for money.
C2dlife on May 15th, 2005 03:26 am (UTC)
Woah. You'll get through this.

1) There are organizations out there that help with debt consolidation. Check them out.

2) As for the job thing, consider training and vocational stuff. Or volunteering, if you doing think you need the classes. It may not pay but it's very good job experience for a resume, gives good references (assuming you're a diligent worker) and keeps you busy.

(When I look at resumes -- and I look at a lot of them -- I seriously consider recent work experience. The BS student who spent the last 10 years working in various labs, including some unpaid interships will win out over the PhD who did two post docs and has been unable to hold a job for the past five years.)

3) Don't just think about the the minimum on your credit card. How much is the total debt? Work out a way to pay that. (See point 1)

We'll be here to support you. Just don't despair.
C2dlife on May 15th, 2005 03:28 am (UTC)
And don't beg for money. Ask for money, if you need it.

I'm not one to begrudge a friend even a significant amount of money, but I will never allow a friend to beg me for it.
Drooling Fan Girldroolfangrrl on May 16th, 2005 05:33 am (UTC)
Best bet? Work with the people you owe money too, and work out a reasonable re-payment schedule, and stick too it.