[justbeingme80]

I'm beyond stressed out and need help/advice/just someone to listen. I'm sorry about the background, but it's necessary I think. And it's not all about the money. They want to treat me like a child, but I'm an adult now. I just would rather be dead sometimes than deal with this.

My parents are not good with money. And somehow they've decided since I could get credit, they could use it and say "I'll pay it off". Well it's gotten out of hand. I'M in debt (NOT THEM--ITS NOT IN THEIR NAME) for at LEAST $17,000 all credit card debt with not so good interest rates. All they do is make minimum payments while charging more and more so it really never gets paid off. One card, they used for a vacation, and it would take 16 YEARS to pay it off if only making the minimum monthly payment.

They use my cards now without my permission and keep the bills. Ha! I never even get to see the bills for the credit cards! They don't even ask anymore. One card I opened for just my use and to have as emergency in case one of my pets gets sick and needs emergency treatment. Someone they've put at least $800 on it already IN ONE MONTH! They get VERY angry at me when I try to talk to them about all this.

I'm to the point where I can't even get an apartment if I wanted to move out and I do want to move out. I have so much debt no one would probably give me one. I'm on SSDI/SSI and I qualify for housing assistance, but I probably won't be able to find anywhere to rent to me except in a very dangerous area of the city because I owe so much money.

This is all tearing me apart. I'm so anxious and upset and honestly sometimes I think I would be better off dead. Right now I'm struggling with depression and I don't even need this crap right now. This morning my dad says he has to busomething at the store and says "I'll pay it off". He didn't even ASK if he could use MY card or even say he was using my card.

If they die tomorrow in some freak accident, I'm stuck with all this debt and I'm stuck in a house that I couldn't pay for (they bought this huge house because I moved to this state for school and they just HAD to move here too and it's more than they should have spent). They claim they have life insurance, but really, would it pay off all their debts and the ones they've
added to my life?

I want a life. I want my own family. I want a spouse someday. I don't want to start a new life one day with someone special with all their damn f****** debt that just so happens to be in my name.

There is more going on here than just money. We're a dysfunctional family. Sometimes I wish I would just be dead. There are too many family issues and no one wants help. They just blame everything on me since I have a diagnosed issue. I hate my damn life. They're keeping me in prison here. I
couldn't even move to this state for school without them following me. They won't let me go out on dates or anywhere by myself. And I'm 33 years old!!!!

[Pikku Myy]

So sorry this is happening to you and shocked your parents would do this. Actually makes me angry Really angry. Anyway you can place a block on your cards thru the credit reporting agencies? So no other person but you can access them? That is what I would do Hope it works out, really do

Wow, I am so sorry you are going through this. It is such a violation of trust! They have really done a number on you. You sound really desperate. There really is hope for you.

Your financial life is not over if you make steps right now. You still have credit cards. My fear is retaliation from your parents. Do you have any cash saved? I used to work in the apartment business and they will work with you can make a larger deposit. Alternatively you might be able to find somebody renting a room who you can work with. You might have to knock on some doors but I am sure there is somebody out there that will help.

Back to your debt. You can change the card numbers and secure the accounts from additional charges. I would try to avoid canceling all of them if at all possible because having zero credit cards will really hurt your credit. Perhaps you could consolidate into one and get a lower interest rate. What they are doing is obviously illegal. I don't know how open you are to pressing charges but that is certainly an option. I can understand if you aren't. If you are just scared the police will come to your house and help you move if you ask them. If you did press charges it would be easier to work with the banks to lower your debt.

At 33 your credit is recoverable. For whatever amount you are forced to pay off making even 5 dollars more than the minimum will help. Regular payments really go a long way.

I hope that gives you some options to get out of this situation. I know it will take courage to get out. I really hope it gets better.

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[skyler143]

Wow! You are being done completely wrong, friend. Never day you wish you were dead, because the world would be a worse place to live without wonderful people like you. You take charge i of your life and everything will work itself out. I am always here for you, you are not alone!

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