Thursday, April 8, 2010
I never know what my life is gonna show me, and sometimes it surprises me. For many years I have guarded my credit rating like a fiend, scrimping and saving to make sure that I got my credit card bills paid on time. I have spent way more than I should have and then worked mad overtime and second and third jobs to cover the bills. On top of that I have been paying finance charges for nearly 25 years now so I guess the companies have made their money back from me and a pretty nice profit too. Last month I gave it up. I let the bills go delinquent and enlisted the services of a debt settlement company. I took the harshest road I could and went for the 2 year payoff. The sad part is that for the last couple years I have been trying to consolidate my outstanding debt and get it paid off, but nobody wanted to help me that way, they were making way too much off the finance charges. Now that I have gone off the reservation they are all telling me about these consolidation deals that they will offer me. Too late dick wads!! Tired of dealing with it all so now you can take what the agency will negotiate, and I am sure that it will be significantly less than I would have paid had you helped me when I was first asking. I never wanted to do this, it just turned out to be the way to get the end that I needed. I have cut up the credit cards and now if I can't pay cash. I don't get it. Pretty simple and it feels good. It will take a while to get used to the lack of plastic for any little thing, but in the end it will be better for me. Good riddance!