[FitPrk3]

Well like I said, on my birthday (last friday) me and the ex got into it, well I didn't talk to her the WHOLE weekend and I was fine. She even texted me Monday asking if I was going to be able to pay her any money for the past due bills that I owe her for. (again I was going to pay her in payments and that was the verbal agreement between us..) Well LEGALLY she still owes me $300 for her half of the rent and we calmly talked and I told her that I don't know if I would be able to give her any money at all but I would let her know after work Tuesday...And yea thats where it goes wrong yet again...

Tuesday roles around and about 2:30p I call her asking if she had a minute, and she said yea, so I started to ask what happened to our verbal agreement of me paying her in payments. Well she changed her mind in 24 hours, saying that she wanted the $600 I owe her for the past due bills in full on Tuesday. Well I told her, calmly mind you, I couldn't do it, and don't know when I could. And of course, she starts with me about how I'm royally screwing her over and shes not going to have any money left to live off of and I was pissed. This is coming from the woman that DOESN'T pay rent where she currently lives, DOESN'T pay for food, DOESN'T pay for gas either. So she shouldn't be hurting for money. And I find it ****ing ridiculous that shes getting mad at me for not having any money.

Well we got so into it that I told her that if I don't have money by october 30th for novembers rent I'm suing. And she said fine, and hung up....

THIS CRAZY ***** IS GONNA MAKE ME GO INSANE AND MAKE ME LOSE MY ONLY PLACE TO LIVE CAUSE SHE WANTS TO ACT LIKE A ****ING CHILD. ATLEAST IM TRYING TO DEAL WITH THIS WHOLE SITUATION LIKE AN ADULT...

We haven't spoken since Tuesday at 2:30p...So I'm most likely going to lose my only place to live and get sued myself for the apartment, and then im going to have to sue her for her half of the remainder of the lease. I ****ING HATE ********!!

~A

[PT52]

Do you have somewhere to go, like maybe your parents? Someplace where you can save up some money? If so, talk to your landlord, tell them what the situation is and ask if you can work out a payment plan. Or if you don't have anywhere to go, ask them if you can pay less for a couple of months until you can get a room mate or figure something else out. Make sure you tell them you'll catch it up when you can.

I would also suggest not talking to your ex at all, period. When you have some money to give her, mail it. It takes two to tango, so if you avoid the conversation all together, you can avoid the stress and anger. It's likely neither one of you is going to save your credit, but you can keep from getting sued, then you're a step ahead. Take it from someone who buried her head in the sand when the financial sh** hit the fan - it's a whole lot better to be honest with your creditors and work out a payment plan. If you need to, make an appointment with Consumer Credit Counseling and they can help for free. Don't go to any others - they'll charge you money. Most of them are just scams. Whatever negative credit you get will look a whole lot better if you're making payments. And it drops from your credit report seven years after you pay it off. It seems like a long time, but trust me, it's worth it. And while I'm being a mom (), don't add to your debt for now (but you've probably already figured that out!)

Because it's worth repeating, don't talk to your ex - obviously you both push each others buttons and it doesn't have to be that way. Because you know it will probably end up in a fight, don't call and don't answer when she calls you.

I have been everywhere you are at now, and I got thru it and made it to the other side. You can do it, too. Hugs and good luck!

Oh yeah, and I used to be a credit manager in a bank...guess that proves that even people who really should know better can screw things up.