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I guess we should feel sorry for debt collectors

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Lorri



Joined: 15 Jul 2008
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275 Magic Points

 
Posted on Mon Sep 15, 2008 12:33 am  

LOL-----then they would have a positive self-esteem, quit their jobs as collectors, join the real world and become regular like us?
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fireyone



Joined: 26 Feb 2008
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Posted on Mon Sep 15, 2008 1:17 am  

Can we get that Lucky?????
jtrenton



Joined: 12 Sep 2008
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232 Magic Points

 
Posted on Mon Sep 15, 2008 7:31 pm  

Different people do different things. For example I don't budget at all.
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Lorri



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275 Magic Points

 
Posted on Tue Sep 16, 2008 1:59 am  

Really? Can you explain how you manage money and maybe give me a little insight (or at least a different perspective)?
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sdchargers_63

sdchargers_63

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Subject: money
 
Posted on Tue Sep 16, 2008 10:59 am  

Sometimes it's hard to budget your money. We all have intentions to do so, however,...things come up. Car repair on something, unexpected issues, etc. It can get frustrating sometimes. Sometimes I put bills off to buy my child what he needs ( school, etc.). But......yeah...it can get crazy being a single mom.
fireyone



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130 Magic Points

 
Posted on Tue Sep 16, 2008 11:14 pm  

I was there once SD and know what you mean. I am lucky enough to not be behind on any bills and still take care of emergencies...as long as they aren't big. This takes my husband working 50-60 hr. weeks. Even with those hours we just can't seem to get things paid off. We just got soooo far behind last year that once we caught up taxes and other things were waiting.
Lorri



Joined: 15 Jul 2008
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275 Magic Points

 
Posted on Wed Sep 17, 2008 4:26 am  

When I was a single mom and my only income was cash aid from the county, my budget was so tight that I had to budget. It was a very big deal it seemed to buy ANYTHING. I had to save and buy things on layaway and at yard sales, etc. BUT, I survived and my daughter and I were none the worse for wear. Its funny how your perspective changes when you categorize things into "needs" or "wants".
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"Never give up on someone you can't go a day without thinking about".
sdchargers_63

sdchargers_63

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1916 Magic Points

Subject: money
 
Posted on Wed Sep 17, 2008 1:46 pm  

Yep...being a single mom can be hard. Not that I'm trying 'finding an excuse for things.'.....just sometimes, when I think I'm getting 'ahead' with things, things just fall apart. However...you DO deal with it. Any advice from someone 'on the outside' on how to deal with the tough times?
fireyone



Joined: 26 Feb 2008
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130 Magic Points

 
Posted on Thu Sep 18, 2008 2:07 am  

We all have had them and have not died from them so try not to stress too much. We all deal with stuff in our own way but if it is money you just got to do the budget thing. I know it usually comes up in the minus side but when it does that you have to sort it by priority. Meds, car repairs, food...all that HAS to come first. I don't care if the stack of bills is the size of a football field..If you don't supply you and your family with the basics you will end up sick or not able to get to where you need to be and then it only causes more bills.
Lorri



Joined: 15 Jul 2008
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275 Magic Points

 
Posted on Thu Sep 18, 2008 6:06 am  

I agree with fireyone---basic needs have to be met first. And remember it won't always be this way.

sdchargers---do you live in san diego?
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fireyone



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Posted on Fri Sep 19, 2008 12:17 am  

No she lives in PA. I remember because we tread the same territory. I am also from PA. And Lori said it all SD...it won't last forever but until it gets better and even then come see us.
Lorri



Joined: 15 Jul 2008
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275 Magic Points

 
Posted on Fri Sep 19, 2008 3:17 am  

I meant sdchargers---does she live in PA? I know you said the GN does.
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fireyone



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Posted on Sun Sep 21, 2008 12:29 am  

Yep that I was refering to both. They have both been on here since I have joined and have helped me tremendously with the PA laws.
goodnatured



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Posted on Sat Nov 08, 2008 3:19 pm  

There are alot of people on the forum from Pa, I know when I was on the debt forum there for awhile there were a ton of people from Pa there also. I am not sure about the other two forums. So are there alot of debtors in Pa or are we the only ones that come out and talk about it, LOL
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fireyone



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130 Magic Points

 
Posted on Tue Nov 18, 2008 12:44 am  

It is really funny you made a mention of this because this was what the news station has said. PA is actually drowning in delinquent credit card debt. I wonder if this is because of the limitations on debt collectors for collecting on past due debt..like garnishments are not allowed unless it is child support or taxes. Do you know the complete details on how they can collect a judgement in pA. What are they allowed to attatch?

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