Debt Adviser
Debt collectors can bring out the worst in you
I read your column this morning regarding being debt, out off of work or still working and your still responsible for your debt. This is my situation exactly still working for 16 years, waiting for approval for disability and a husband working. I recently called one of my creditors and offered what I could pay per month. This was not acceptable to that creditor and we ended up in a heated discussion, with them calling me irresponsible and not wanting to make a commitment to paying my debts. I finally hung up, very frustrated and sorry I even called.
What do you do in a situation like this? We are struggling just to pay our regular monthly bills, with my husband having to work two jobs and our income is still a little short, and were not taking on any extras. What I was offering to my husband is if we should take out a loan so that we can pay off our credit cards. He suggested that we should be able to use our boat for collateral, so we made calls to all our familys and friends but not to barrow money from them of course. We just wanted some feed back to see who we could call upon to save us from these debt collectors, my brother told us about (loans for your car title) he said he used them once when he got into a bind and they help right away. So my husband and I did just that it was so easy on line with (Car title loan) we received our money in just minutes I couldn’t believe it. And it was enough to pay off the three credit cards and the interest that we owed.
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