Friday, January 16, 2009

Frigidly cold!

See where it says -19? That is just about where I am. Yes it is cold. I had a hard time opening the front door because the knob was frozen! There is frost around the back door and on the windows of it. It is poorly sealed and will have to be fixed.
I have been having a very difficult time financially lately and I'm going to go see a lawyer tomorrow about my legal options. I hate to even take that path but I might have to. The old trailer that my Ex is still in (yes it is my name too and still my legal responsibility) is being repossessed. I have credit cards debt out the wazoo and a car I can barely afford. If any of you have been in this situation, feel free to e-mail me at for advice! Linda


  1. It minus 12 here. We are in a deepfreeze for sure. Hope you work our those bills. I thankfully am past that point of my life and will never have another credit card. They are the pits for sure. 'On Ya'-ma

  2. my aunt is dealing with a credit consoladtion firm to help reduce her debt

  3. Brrr...

    I'm having tons of trouble, too. My place can't be repo'd, but the lot rent has gone up and I couldn't make the full payment this month. Same with the cable and phone. Glasses, too? I've needed them for a few yrs and now more than ever. I don't see how to squeeze the money out of my SS check so I just stumble around and I'm blogging a lot less. *forgive my typo's please, I can't see them


  4. I'll sure be glad when this cold snap is past! It's brutal out there!

    Good luck with getting your debt figured out. I was just reading some article about that today--be careful with debt consolidation, because one group recommended it to this couple, but said they should include their mortgage payment in it. That would have raised their mortgage interest rate from around 6% to around 8%, and would have cost them thousands extra!

    Hugs, Beth

  5. Stay in, stay warm and enjoy your weekend.

  6. Hey, I'm getting there, still staying inside, we got about 23 inches of snow, now it quit snowing and it's getting colder!!!

    take care;

  7. It has been miserably cold here as well.

    I don't know exactly what path you are talking about. When I was in banking we dealt with a place called Consumer Credit Counseling in our area. The main objective was to help consumers who find themselves in a bind get their debt paid off with their help.

    Many times they were able to negotiate and have some debt written off, greatly reduced or no additional interest accrued on the credit cards. You do have to surrender your credit cards though.

    It's an option to bankruptcy, if you are considering that. I was in mortgage foreclosures for a time so I am aware of the different avenue people can take but I found the type I've listed above is one of the better ones. I'm sure there is a similiar one in your area, most communities have them.

    I hope things get better for you Linda.


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