[az_tc91]

I feel like I'm in a hole and no one is there to help me out. as I previously posted I am in financial debt that is eating away at my daily life. I was having an actually O.K. day until Amex called. when I see my credit card companies and debt collectors on my caller I.d. my mood takes a nose dive. each missed call reminds me how much of a screw up I have become. I can't ask my parents for help because I have been the cause of their own debt after everything. I have become such a burden it makes me sick. my entire world is collapsing around me and Ican't talk to anyone about it bc I am so embarrassed at what my life has come to. why would God let someone live like this? I have been crying so much im physically ill. I'm just not sure how I can fix this anymore.

[eggplantlife]

I'm sorry for what you are going through. I know the state I previously lived in my help with credit card debt issues. Do you have one of those in your state? Also, the library had help with that in that state. I didn't get out of debt because I couldn't find a job. But it eased what might happened to me and I am able to face it without anxiety.

[Frankbtl]

Hi az tc, first of all you're not a screw up, all right?? There is more to you and your life than the situation you've found yourself in. And as for embarrassment, well you didn't deliberately, without a care, knowing what would happen put yourself in this situation, right?
And it doesn't have to say anything about you that this has happened, it's my guess that everything just built up from nowhere and you felt pretty powerless in it all.
But now is going to be the time to try and focus on solutions, because there will be some out there. Not necessarily easy ones, but they have to be easier than what you're going through right now.
You could try talking to the credit card companies and explaining your situation and they could come to an agreement about a minimum charge you can pay weekly/monthly. After all if they're getting something ten that's more than nothing and some may go for that.
But if that's not successful then you could get some legal advise/support. Some lawyers will only charge minimum fees for a first consultation so worth checking that out if you need to. And you know if it comes to "bankruptcy" then that does not have to mean that everything's fallen through. It might just be the resolve you need in this if it comes to it.
And your parents: well they can maybe still give you some emotional support?? If you were in their position wouldn't you want to be there for your son/daughter?? I'm sure a lot of parents would. So maybe see if you can give them that chance to offer you some support?? And that would not make you a burden, families should be there to support each other through hard times, and that's all you'd be looking for right now, yes?
But if you want to talk more.............here for you.
Alison

[StrongerMan]

I accumulated about $30k in cc debt til around 01/02 when I decided to pull my head out of the sand. I moved in with my parents and cut down other expenses, got with a debt consolidation company, found another job, and was able to pay it all off by about 2004. It was a sucky time, but I did what I had to do. I actually have a nice nest egg saved up now. Unfortunately, I am no happier today than back then... but not being in debt is one blessing I can count.