Where to begin...It all started years ago when we where under the false illusion that by having things you where successful. We found ourselves living in a credit card world and we where doing OK, but like most people these days we where living paycheck to paycheck, making the minimum payments and everyone wanted to give us credit so we must be doing fine. Why else would we keep getting offers for more credit right??? Well when the bottom fell out we fell hard.
2006 was a crazy year for us. In January we had a baby, a wonderful surprise but with a huge insurance deductible, it left us feeling the financial pinch. Then in September, I had a life saving bypass surgery witch was another expense that pulled from the finances.
In late November the construction job my husband was working on finished early and left us with no job. A huge hit right before the holidays. He did find work, but it was at half the income we had been making.
We tried to keep up with the bills, but with only enough money to pay the mortgage, power and food we quickly used up any savings we had, and found ourselves falling further and further behind. The late fees began piling up and we found ourselves drowning in a sea of debt. We couldn't pull ourselves out of the huge hole we found ourselves in and so we decided we had to do something and we didn't know what to do so we went with a Debit Settlement Company. To sum it up they are the middle man between us and the debit collectors. Slowly, (2 years now) we have been paying off our debt, we have paid off 6 of the 13 creditors we owe.
Ever since we hit our financial rock bottom so to speak I have been rubbing every pinny trying to make it a nickle just to get this debit paid off. Now comes the rising costs in food and fuel, it never ends!
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