*~*~*2012 Low Income Support Group*~*~* - Mothering Forums

Forum Jump: 
Reply
 
Thread Tools
#1 of 333 Old 12-05-2011, 12:30 AM - Thread Starter
 
Thystle's Avatar
 
Join Date: Feb 2006
Location: USA
Posts: 2,521
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

December 2011 on through 2012's  Low income support thread, for those living with a low income or struggling.

 

 

Support ONLY... no flaming!

 

 

Fall 2011's thread: http://www.mothering.com/community/t/1330532/fall-2011-low-income-support-thread

 

 

 

 

 

 

 

It's December and I thought I would start a new thread for the new upcoming year, to try to put a little new fresh karma/vibes into the mix! May December treat you all well and may 2012 bring you all much happiness, health and money comfort!  goodvibes.gif  om.gif     grouphug.gif     joy.gif


Resistance is futile Matey
Thystle is offline  
#2 of 333 Old 12-05-2011, 12:37 AM - Thread Starter
 
Thystle's Avatar
 
Join Date: Feb 2006
Location: USA
Posts: 2,521
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

Putting the link back to the frugal xmas thread: http://www.mothering.com/community/t/1330533/2011-frugal-xmas-and-other-holidays


Resistance is futile Matey
Thystle is offline  
#3 of 333 Old 12-05-2011, 12:58 AM
 
frugalmama's Avatar
 
Join Date: Sep 2009
Posts: 1,141
Mentioned: 3 Post(s)
Tagged: 0 Thread(s)
Quoted: 7 Post(s)

Not having a good night - it's raining super hard and I just found a new leak in our roof. It's leaking right into and thru the bathroom light / vent fixture. greensad.gif

 

Did I mention that I'm $900 short this month, since we're behind on the mortgage 3 months and they want it NOW or they will start legal action? 

 

I have no idea where I'm going to come up with $900 - I'm selling everything I can think of and have tons listed on craigslist but very little is selling. 

 

And I need prescriptions again this month, but medicaid still hasn't changed my PCP to one that will accept me, so the only way I can get my scripts is to pay $45 at the walk in clinic. 

 

But at least Christmas is covered, we have plenty of food, all the utilities are still on, and we have each other. 


Me, 29, Muslim hijab.gif single mama to T age 7 energy.gif We homeschool.gif saynovax.giffambedsingle1.gif and Love it!
frugalmama is offline  
#4 of 333 Old 12-05-2011, 01:09 AM - Thread Starter
 
Thystle's Avatar
 
Join Date: Feb 2006
Location: USA
Posts: 2,521
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

{{{{{{{{{{{{{{{{{{{{{serious good luck vibes your way}}}}}}}}}}}}}}}}}}}}


Resistance is futile Matey
Thystle is offline  
#5 of 333 Old 12-05-2011, 12:13 PM
 
Paigekitten's Avatar
 
Join Date: Feb 2008
Posts: 870
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

Peace.gif  2012 is gonna be a good year.  I'll make it that way......

maciascl likes this.

I love Edward and we love our Libby (8/07) waterbirth.jpg and 'Nana' (05/09 )h20homebirth.gif and Eowyn (11/11) waterbirth.jpg  We are having a blast bfinfant.giffemalesling.GIFfamilybed1.gifcd.gif and homeschool.gif.

Paigekitten is offline  
#6 of 333 Old 12-05-2011, 03:16 PM
 
frugalmama's Avatar
 
Join Date: Sep 2009
Posts: 1,141
Mentioned: 3 Post(s)
Tagged: 0 Thread(s)
Quoted: 7 Post(s)

I must be living right - I called medicaid and managed to get BOTH my PCP and my daughter's changed, and backdated to 12-1. AND then I called my PCP and got the only cancellation and appointment they had before February - THURSDAY!

 

Can't believe it - it never works that good. Now fingers crossed that my daughter's ear pain improves {it's not bad, just occasional} so that I actually get to go. 

Momsteader and Cassi Mahlum like this.

Me, 29, Muslim hijab.gif single mama to T age 7 energy.gif We homeschool.gif saynovax.giffambedsingle1.gif and Love it!
frugalmama is offline  
#7 of 333 Old 12-06-2011, 01:45 AM
 
zebra15's Avatar
 
Join Date: Oct 2009
Location: State of Confusion
Posts: 4,709
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 9 Post(s)

Sending vibes to everyone and hoping for calm.

 

Right now the pantry is stocked.

 

For 2012 I may attempt 'A year of I'm not buying it'.  basically  means no extra buying anything.  I read a book about the idea last year and was going to try it this year, never happened since we moved.  I've been doing the compact for a couple years and I think 2012 is a good time to cut all spending and just really learn to make due with what we have.

 

http://www.amazon.com/Not-Buying-Year-Without-Shopping/dp/0743269365/ref=sr_1_8?s=books&ie=UTF8&qid=1323164852&sr=1-8


Mom to J and never-ending , 0/2014 items decluttered, 0/52 crafts crafts completed  crochetsmilie.gif homeschool.gif  reading.gif  modifiedartist.gif

Seeking zen in 2014.  Working on journaling and finding peace this year.  Spending my free time taking J to swimteam

zebra15 is offline  
#8 of 333 Old 12-06-2011, 11:19 AM
 
Krystal323's Avatar
 
Join Date: May 2004
Location: In a world of dreams
Posts: 3,394
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

subbing.  we're still hanging in there.  still having the monthly dilemma of "should we pay for the truck, or pay for everything else"  eyesroll.gif  okay, that's an exaggeration, but sometimes not by much.  

 

I've never been this behind on a debt before, so I dunno what will happen, really.  I mean, I dont' think I'm up for repossession yet, but I wonder what's happening to my credit.  I mean, even if I make a payment this month, I'm still several months behind, so is that docking my credit each month until I'm current again, or..?  

 

we're at that part of the month where we're on the last bit of food til we get more FS, and my creativity is lagging. I guess there's only so much you can do with plain rice adn beans orngtongue.gif


Freethinking Earth-mama of five. uc.jpg

Krystal323 is offline  
#9 of 333 Old 12-06-2011, 04:14 PM
 
zebra15's Avatar
 
Join Date: Oct 2009
Location: State of Confusion
Posts: 4,709
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 9 Post(s)

Food Stamps pay tomorrow.  I've never been so excited about friggin food stamps.  (and I even have some left over from last month),

I think it'ts because I haven't been working much and there is literally no pay coming in. 

This is the month where I tend to bake a bit more - think fudge, peppermint stuff, stove top hot cocoa and extra food stamps add some joy into an otherwise depressed house.


Mom to J and never-ending , 0/2014 items decluttered, 0/52 crafts crafts completed  crochetsmilie.gif homeschool.gif  reading.gif  modifiedartist.gif

Seeking zen in 2014.  Working on journaling and finding peace this year.  Spending my free time taking J to swimteam

zebra15 is offline  
#10 of 333 Old 12-06-2011, 04:16 PM
 
zebra15's Avatar
 
Join Date: Oct 2009
Location: State of Confusion
Posts: 4,709
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 9 Post(s)

Forgot to add - I seem to have massive brain cloud going on-  DS and I have been doing some holiday stuff.

Baking, decorated the tree, made some ornaments, and I am even thinking about wrapping presents!

 

I am totally on board with the 'no buy' for 2012.  Not just because I have no income, but it's something I've always wanted to do and heck, if not now, when??


Mom to J and never-ending , 0/2014 items decluttered, 0/52 crafts crafts completed  crochetsmilie.gif homeschool.gif  reading.gif  modifiedartist.gif

Seeking zen in 2014.  Working on journaling and finding peace this year.  Spending my free time taking J to swimteam

zebra15 is offline  
#11 of 333 Old 12-06-2011, 08:34 PM
 
Paigekitten's Avatar
 
Join Date: Feb 2008
Posts: 870
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

Ahhhh Bean Week.  We got back on WIC, so now it's like beans, rice, and breakfast cereal.  Tomorrow my food stamps go up from the baby's birth and DH's reduced hours at work.  Yay!  I'm stocking up on meats.thumb.gif

 

Tell me more about this book. It sounds like a really cool idea, but I can't imagine not buying anything for a year....I need new underwear!  


I love Edward and we love our Libby (8/07) waterbirth.jpg and 'Nana' (05/09 )h20homebirth.gif and Eowyn (11/11) waterbirth.jpg  We are having a blast bfinfant.giffemalesling.GIFfamilybed1.gifcd.gif and homeschool.gif.

Paigekitten is offline  
#12 of 333 Old 12-07-2011, 07:36 AM
 
frugalmama's Avatar
 
Join Date: Sep 2009
Posts: 1,141
Mentioned: 3 Post(s)
Tagged: 0 Thread(s)
Quoted: 7 Post(s)

That's us too - I like the idea but there are so many basic things we really need around the house and for ourselves that I'm not sure of the practice part. 

 

 

I'm working away at the extra we need for this month - selling a walker on craigslist this morning, fielding emails for some other things too. Should add up to close to $200 total, making me only $600 short. Still working on finding things we don't need and putting them up on craigslist. I really need for my peace of mind and stress levels, to get caught up on the bills this month if at all possible. 


Me, 29, Muslim hijab.gif single mama to T age 7 energy.gif We homeschool.gif saynovax.giffambedsingle1.gif and Love it!
frugalmama is offline  
#13 of 333 Old 12-07-2011, 10:08 AM
 
frugalmama's Avatar
 
Join Date: Sep 2009
Posts: 1,141
Mentioned: 3 Post(s)
Tagged: 0 Thread(s)
Quoted: 7 Post(s)

We had an unexpected find this morning - when I went out early for a craigslist sale, I happened to look up at the roof - and I could see the heat rising from it because it was so cold here. Turns out we have a heat leak big time in one bathroom - which shutting the down on cut down greatly. It's coming out a bathroom vent, which somehow must not be sealing right. 

 

It's a LOT warmer in here now - we knew we were losing heat but not where from. 


Me, 29, Muslim hijab.gif single mama to T age 7 energy.gif We homeschool.gif saynovax.giffambedsingle1.gif and Love it!
frugalmama is offline  
#14 of 333 Old 12-07-2011, 10:16 PM
 
zebra15's Avatar
 
Join Date: Oct 2009
Location: State of Confusion
Posts: 4,709
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 9 Post(s)

From Amazon

 

http://www.amazon.com/Not-Buying-Year-Without-Shopping/dp/0743269357


If you've ever contemplated cutting down on your consumerism but couldn't bring yourself to do it, Levine's volume allows you to witness and learn from this drastic experiment without going through the withdrawal yourself. Since giving up shopping entirely is impossible in North America (buying food requires money), the most interesting aspect of Levine's adventure is the process of defining necessity. High-speed Internet access, Q-tips and any soap fancier than Ivory, for example, are all ruled out as luxuries. With chapters divided by month, the book witnesses Levine's journey from enthusiastic experimenter in January to a still game but weary participant by the fall, as favorite luxuries run out and clothes become shabbier. As Levine trades in movies and restaurants for the public library system and dinner parties at home, she is forced to reflect on not only the personal indulgences she's become used to but also their place in defining her social space. Since this book is about exploring consumerism rather than economizing (although she does manage to save $8,000 by the end of the year), Levine investigates several anticonsumer movements—she joins her local Voluntary Simplicity group, participates in Buy Nothing Day and consults experts on issues of consumerism and conservation. Yet the most insightful aspect is Levine's account of her own struggle to keep down her day-to-day consumption of goods and to define the fine line between need and want. (Mar.) 
Copyright © Reed Business Information, a division of Reed Elsevier Inc. All rights reserved.
 

From Booklist

Other than phenomenal willpower and maxed-out credit cards, what does it take to simply stop purchasing for 12 months? Levine took the plunge--and found it irritating, exhilarating, thought provoking, and humiliating--among many other conflicting emotions. What's an inexpensive substitute for Q-tips? How to best gift a soon-to-be college graduate without spending any money? How to avoid the consumption seduction that lurks in every corner? Levine chronicles her feelings in this almost-weekly diary of the year of nonpurchasing. Many of her points are intentionally provocative; for instance, not buying makes her feel vulnerable and having to ask for help. Plus, her secondary sources, from the recently issued Trading Up (2003) to federal deficit projections and Socratic pronouncements, add a great deal of depth to a topic that could be perceived as frivolous. Barbara Jacobs
Copyright © American Library Association. All rights reserved
Quote:
Originally Posted by Paigekitten View Post

Ahhhh Bean Week.  We got back on WIC, so now it's like beans, rice, and breakfast cereal.  Tomorrow my food stamps go up from the baby's birth and DH's reduced hours at work.  Yay!  I'm stocking up on meats.thumb.gif

 

Tell me more about this book. It sounds like a really cool idea, but I can't imagine not buying anything for a year....I need new underwear!  



 


Mom to J and never-ending , 0/2014 items decluttered, 0/52 crafts crafts completed  crochetsmilie.gif homeschool.gif  reading.gif  modifiedartist.gif

Seeking zen in 2014.  Working on journaling and finding peace this year.  Spending my free time taking J to swimteam

zebra15 is offline  
#15 of 333 Old 12-08-2011, 11:24 AM
 
Eyelet's Avatar
 
Join Date: Feb 2009
Location: Illinois
Posts: 708
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

Hello everyone wave.gif

 

I've occasionally posted in previous threads before, but I think I'lll quickly reintroduce myself. My name is Jaki and my family definitely belongs here right now.. My husband works full time but I'm currently a SAHM taking care of my son who has severe autism. My husbands income is not much... he was laid off from his position of 12 years when his company outsourced his entire department and after struggling to find a suitable job for 18 months, found a position at less then half at what he was making. To say we struggle to be an understatement.. Our current income is literally just a *hair* above the income cutoff for most government assistance programs, but the sad reality is that we barely, or don't. have the income to cover most basics. We do receive a small amount of SSI for our son, but that goes torwards his therapies. We juggle all bills every single month.

 

Anyhow, that's me... I really hope to be in a better place someday. 


autismribbon.gif

Eyelet is offline  
#16 of 333 Old 12-08-2011, 02:35 PM
 
kay4's Avatar
 
Join Date: Nov 2004
Location: Colorado
Posts: 1,085
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

I'm new here.  I'm Kelly, mom to 4, currently going through a divorce.  Absolutely 0 income at the moment.  Have been sahm for our entire marriage (17 years) so not easy finding work.  We currently are recieving food stamps which is such a blessing.  Nothing coming for STBX.  Grrr.  I have an appt for cash aid tomorrow.  I've heard it's a pitiful amount BUT the fact that they will start a child support case months earlier than I can get a court date makes it worth my while.  Very nervewracking to be in this position but just taking it one day at a time. 


Kelly,newly single mom of four wonderful children.

kay4 is offline  
#17 of 333 Old 12-08-2011, 02:35 PM
 
kay4's Avatar
 
Join Date: Nov 2004
Location: Colorado
Posts: 1,085
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

I'm new here.  I'm Kelly, mom to 4, currently going through a divorce.  Absolutely 0 income at the moment.  Have been sahm for our entire marriage (17 years) so not easy finding work.  We currently are recieving food stamps which is such a blessing.  Nothing coming for STBX.  Grrr.  I have an appt for cash aid tomorrow.  I've heard it's a pitiful amount BUT the fact that they will start a child support case months earlier than I can get a court date makes it worth my while.  Very nervewracking to be in this position but just taking it one day at a time. 


Kelly,newly single mom of four wonderful children.

kay4 is offline  
#18 of 333 Old 12-08-2011, 07:56 PM
 
averysmomma05's Avatar
 
Join Date: Feb 2007
Location: North Carolina
Posts: 483
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 1 Post(s)

We just found out I am pregnant with baby #3. Totally unexpected and random but am thrilled! Food stamps was upped hopefully with me not working and hubbys pay going down.


E wife to G,  and mama to R hearts.gif, A autismribbon.gif, and E femalesling.GIF 
averysmomma05 is offline  
#19 of 333 Old 12-08-2011, 09:42 PM
 
kay4's Avatar
 
Join Date: Nov 2004
Location: Colorado
Posts: 1,085
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Congrats emi!

Kelly,newly single mom of four wonderful children.

kay4 is offline  
#20 of 333 Old 12-09-2011, 10:00 AM
 
mylilmonkeys's Avatar
 
Join Date: Oct 2010
Posts: 932
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

Congratulations!!


Mom to eight!!  Our twin girls arrived 3-3-2011.

mylilmonkeys is offline  
#21 of 333 Old 12-09-2011, 12:47 PM
 
cat13's Avatar
 
Join Date: Dec 2010
Posts: 1,766
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

Hi all, I'd love to join this group. Right now I work full time while DH is finishing school and caring for our 4 month old son while I'm working. For the last few months we have been doing well with our bills... no new debt... but his school and financial aid end soon and then who knows what we will do.

 

I'm sorry to hear about your struggles, but at least we are all in the same boat for now to keep each other company.


Mama Bear toddler.gif, Papa Bear treehugger.gif and Baby Bear (8/11) coolshine.gif

cat13 is offline  
#22 of 333 Old 12-09-2011, 01:55 PM
 
Paigekitten's Avatar
 
Join Date: Feb 2008
Posts: 870
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

Our food stamps got bumped from $200 a month to $600!  I totally stocked the freezer. orngbiggrin.gif  Unfortunately a check hit the bank before DH's paycheck did, I'm hoping DH can sweet talk them into waving the fee.


I love Edward and we love our Libby (8/07) waterbirth.jpg and 'Nana' (05/09 )h20homebirth.gif and Eowyn (11/11) waterbirth.jpg  We are having a blast bfinfant.giffemalesling.GIFfamilybed1.gifcd.gif and homeschool.gif.

Paigekitten is offline  
#23 of 333 Old 12-10-2011, 01:41 PM
 
averysmomma05's Avatar
 
Join Date: Feb 2007
Location: North Carolina
Posts: 483
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 1 Post(s)

Yay! I am glad your fs was upped! I am praying mine gets upped I sent in paperwork showing the changes but we only get $58.00 worth a month right now. Sigh.
 

Quote:
Originally Posted by Paigekitten View Post

Our food stamps got bumped from $200 a month to $600!  I totally stocked the freezer. orngbiggrin.gif  Unfortunately a check hit the bank before DH's paycheck did, I'm hoping DH can sweet talk them into waving the fee.



 


E wife to G,  and mama to R hearts.gif, A autismribbon.gif, and E femalesling.GIF 
averysmomma05 is offline  
#24 of 333 Old 12-10-2011, 01:42 PM
 
averysmomma05's Avatar
 
Join Date: Feb 2007
Location: North Carolina
Posts: 483
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 1 Post(s)

thanks guys!
 

Quote:
Originally Posted by kay4 View Post

Congrats emi!


 



Quote:
Originally Posted by mylilmonkeys View Post

Congratulations!!



 


E wife to G,  and mama to R hearts.gif, A autismribbon.gif, and E femalesling.GIF 
averysmomma05 is offline  
#25 of 333 Old 12-13-2011, 04:14 PM
 
zebra15's Avatar
 
Join Date: Oct 2009
Location: State of Confusion
Posts: 4,709
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 9 Post(s)

http://www.mothering.com/community/t/1338496/december-pantry-challenge#post_16782290

 

There is a pantry challenge going on.... its' boring over there... who wants to join us?


Mom to J and never-ending , 0/2014 items decluttered, 0/52 crafts crafts completed  crochetsmilie.gif homeschool.gif  reading.gif  modifiedartist.gif

Seeking zen in 2014.  Working on journaling and finding peace this year.  Spending my free time taking J to swimteam

zebra15 is offline  
#26 of 333 Old 12-14-2011, 01:19 PM
 
Paigekitten's Avatar
 
Join Date: Feb 2008
Posts: 870
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

Well, I called the hospital to find out about financial assistance, we qualify but they transferred me to some other office and then I had to leave a message. Hopefully I actually get called back.  I've been trying to apply for LIHEAP for a month now and I always seem to call when someone is closed, but it's this huge long phone chain where you call one place and they give you the number for another place who gives you the number for another.  I finally got through to the right number to apply, but they aren't accepting new applications right now.  I guess I'll just keep calling back.  Usually we heat with wood, not the furnace, but I'm not able to get out and chop/carry wood with the baby.  Maybe when she's big enough to go on my back.


I love Edward and we love our Libby (8/07) waterbirth.jpg and 'Nana' (05/09 )h20homebirth.gif and Eowyn (11/11) waterbirth.jpg  We are having a blast bfinfant.giffemalesling.GIFfamilybed1.gifcd.gif and homeschool.gif.

Paigekitten is offline  
#27 of 333 Old 12-14-2011, 01:48 PM
 
inkedmamajama's Avatar
 
Join Date: Jan 2003
Location: St. Louis, MO
Posts: 1,323
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

I am so tired of my financial situation. Here is it, another holiday season and I am still plagued by bank fees, and shutoff notices. Behind on rent and stressed just about the normal monthly bills-not even taking into account the 'holiday' stuff, like a present for our kids.

 

I am still making things at home for sale-trying to earn what money I can. Thinking of selling my daughter's violin (she switched instruments and no longer uses it)

 

We are in a better position than last year, as we actually have two vehicles and they are both legal, insured, and running-that is just so huge for us. 

 

I have remind myself how rich I am in love and keep putting one foot in front of the other.


Heavily tattooed and Dready Mama to my girls. YES we are STILL NURSING! love to and
inkedmamajama is offline  
#28 of 333 Old 12-14-2011, 01:56 PM
 
inkedmamajama's Avatar
 
Join Date: Jan 2003
Location: St. Louis, MO
Posts: 1,323
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

I almost forgot-

 

How do you handle things when a debt collector calls you on the phone? Say, you know you cannot afford to pay them (they always want a payment plan as soon as they talk to you in person, and they usually take hefty fees-some even saying half of your payment goes towards their collection fees!)

 

instead of not answering the phone-how do you answer the phone, explain your situation and get them to stop calling (which does not mean you are shirking the debt-just that they don't call you five times a day or whatever.)

 

 


Heavily tattooed and Dready Mama to my girls. YES we are STILL NURSING! love to and
inkedmamajama is offline  
#29 of 333 Old 12-14-2011, 03:39 PM
 
maciascl's Avatar
 
Join Date: Nov 2004
Location: The Land of Confusion
Posts: 3,563
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)


Quote:
Originally Posted by inkedmamajama View Post

I almost forgot-

 

How do you handle things when a debt collector calls you on the phone? Say, you know you cannot afford to pay them (they always want a payment plan as soon as they talk to you in person, and they usually take hefty fees-some even saying half of your payment goes towards their collection fees!)

 

instead of not answering the phone-how do you answer the phone, explain your situation and get them to stop calling (which does not mean you are shirking the debt-just that they don't call you five times a day or whatever.)

 

 

It is actually illegal for them to call more than once a day or to be harrassing. You have the right to request in writting that they contact you by mail only and they have to honor that. If they give you problems tell them you will contact the Federal Trade Commission to report them for violations of the Fair Debt Collections Practices Act just knowing those phrases usually shuts them up pretty quickly. Sadly I used to work for a loan company and did more than my fair share of collections.

 

 


Cheryl, wife to an amazing man, homeschooling SAHM to Gavin 12/03, Rhys 09/06, and Ian Aug 11, 2010.

maciascl is offline  
#30 of 333 Old 12-14-2011, 10:49 PM - Thread Starter
 
Thystle's Avatar
 
Join Date: Feb 2006
Location: USA
Posts: 2,521
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)


Quote:
Originally Posted by averysmomma05 View Post

We just found out I am pregnant with baby #3. Totally unexpected and random but am thrilled! Food stamps was upped hopefully with me not working and hubbys pay going down.



partytime.gif  Congrats!!!!!!!!


Resistance is futile Matey
Thystle is offline  
Reply

Tags
Finances

Quick Reply
Message:
Drag and Drop File Upload
Drag files here to attach!
Upload Progress: 0
Options

Register Now

In order to be able to post messages on the Mothering Forums forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.
User Name:
If you do not want to register, fill this field only and the name will be used as user name for your post.
Password
Please enter a password for your user account. Note that passwords are case-sensitive.
Password:
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:

Log-in

Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.



User Tag List

Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page


Forum Jump: 

Posting Rules  
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are Off