[emibeee]

Well, yesterday I received a letter in the mail. And not a very friendly one, either. In a previous post I explained how I haven't been at work in over a month due to my major depression. So, right now I am completely broke, not even a dollar since my bank took out my last one, along with 12 more to cover my "monthly service fee." Anyhow, the letter was in regards to my credit card. I have not been making my minimum payment due to financial trouble, lack of work and money. They had contacted me several times and I told them I would make the payment as soon as I could. Well, things happened, depression got worse, funds got less and less and here we are now..

The letter stated that my credit card owing $2,850 must be paid in full within 10 days of the letter. I received the letter just yesterday and it was dated January 29th. They made it sound very serious and threatening, claiming that they will be sending it to a collection agency if unpaid. Which wouldn't be the first time they've done this, either. In late November I had $250 removed from my account without any warning or knowledge. When I do go back to work week I have a couple paychecks waiting for me there however, I am afraid to place them into my bank account because I simply CANNOT afford to pay them that amount right now. My phone has been disconnected so I can't call them either, let alone pay that $200 bill. The money I will be reciting is nowhere near enough to cover the credit card, maybe just to cover my phone bill and possibly get a few groceries, none of which I have in my home right now.

I'm wondering if possibly, just for now if I can go open another checking account elsewhere without being denied. Will the collection agency find out and take money from that account too if successful? Or will that bank simply do a credit check, see the results and deny me as well. To my surprise I didn't even break down and cry when I got the letter. I just ripped it up and pieces and threw it out. I do not know what to do. Also, the last time I talked to my bank about my credit card payment over the phone, the lady was SEVERELY rude and I wanted to cry and was hyperventilating by the time I got off the phone. I literally feel like I was being verbally bullied over the phone. So, nearly 3 grand in debt, I am deeply depressed, my life is nowhere near stable and I just feel completely and utterly lost at this point. To top it all off I'm only 21. Any advice?

[Rohag]

Hello, Emibeee. $3000 may seem like a lot of money to you, but your creditors have to consider how much it is going to cost them to collect it from you.

Possible Reference: British Columbia Consumer Protection - Debts

[winter4me]

I would suggest, at this time, finding a place you can cash the pay checks instead of opening another account that could be accessed. Buy yourself a good supply of food & necessary items to tide you over. If you can, and want to, pay the phone bill, do it with a money order that you can get with your cash. (((((((((((((hugs)))))))))))))))

[kaliope]

winter4me offers good advice. just cash the checks and use cash to purchase what you need rather than opening another account that can be accessed by creditors. creditors can be brutal when trying to collect their funds. they will stop at nothing. until then, try visiting a food bank to get some food for yourself so you are not without. take care

[emibeee]

Thanks for the advice everyone. Just some updates on what has happened.. unfortunately not so good. So I did managed to get back to work..once(will get to that in a bit) and I got my paycheck that was there and asked for my vacation pay. They agreed to give me it, and my the end of the day I had an extra check, for only $200 when I was hoping for the full amount which was $850. Also for some reason when it was calculated off "amount available" it had claimed that $200 was taken, and that $650 was available..but by the time it got to the total it had only said $550, which means another "$100" went missing.. or they made an error. I am not so sure as our main boss left by then and we were off work. So I went to the bank, and of course my account was frozen. Visa had froze my account and basically the teller claimed that any amount put into the account would not be there so she just cashed it instead. I did manage to get a good supple of food and other necessary things however I still do not have enough to pay off my phone.

And it is now Thursday, and ever since last Friday(first day back at work..) I have not been back. I fell into the same routine over the weekend and just had no desire to go back.
A big part of this was mainly because the whole weekend I literally slept. I would sleep for about 6 hours, be up like normal and then have an 8 hour nap in the middle of the day and be up at midnight. Now that vicious cycle has started again and I cannot sleep properly. As of right now I could have made it into work, but I am so physically tired I feel like I am going to fall over and pass out at any minute. Thing is, I slept maybe 3 hours last night, woke up and was unable to get back, despite my extreme tiredness. I feel as if my body is completely asleep, my eyes hurt but in yet my mind is 1000% awake and the thoughts will not stop racing. I was up crying at about 4am due to lack of sleep and racing thoughts about my ****** family not caring about me. Why I don't know, I shouldn't even care about them. Or my so called friends who never even message me.

So I sit here, another 4 days without pay..meaning another 1-2 day paycheck at most, that's if I make it tomorrow. And I still don't have enough to cover my phone. And I have had no contact with my work due to not having a phone. As well, some people at my work are "disgusted with my behaviour" calling me an "alcoholic who needs serious help" when I haven't even had a drink in 2 months. I have no idea what my boss is going to say and once again, I am afraid to go back. I am afraid that they will just think I am going there once in an odd blue moon to get money and take off, which is NOT the case. I have none to get there really, except the rest of my vacation pay that they don't want to give me(anyone have any idea why?) I have also been having some suicidal thoughts but nothing that actually made me go do anything to attempt. I wish I could talk to someone but I have no means of contacting anyone as of now, not to mention any money to pay for anything.. counseling here is outrageously expensive. I feel like a complete failure of a human being..like why did my mom want to have a child so bad. Such a silly move bringing me into this world.

[Altered Moment]

I can so relate. I will have to comment more later.

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