Yup, it finally happened. Rock bottom. I thought getting my gas turned off a few weeks ago (can't remember how long it's been. I had the money to turn it back on and then guess what? I had a HUGE filling fall out and it was incredibly painful and absolutely could NOT wait to get fixed. I'd rather take cold showers and not cook and do laundry at other people's houses than deal with the pain of having no filling!) was as low as things could go, but apparently I was wrong.
I realize it's all my fault that the car got repossessed. I knew I was behind on payments and would pay money here and there. I was in contact with the bank and was surprised that they never said "pay us X or we will take your vehicle" Nope, that never came up in all the times I talked to them, no call, no letter, no nothing.
Wednesday I went to the store to get bread. I was literally in the store for 5 minutes tops. Came outside and POOF, my car had vanished. I nearly passed out. I knew what had happened after about 2 seconds and started freaking out because of the stuff I had in there and not the actual vehicle itself being gone. So anyway, my car loan is through some dinky bank that had no 24 hour number to talk to so I had to wait until the next day. I called the police (just on the very small off chance it was stolen) and they said they had a repo thing so yes, it was repossessed. ARGH!! I can't even explain the feelings that were going through my mind.
So i call my friend in hysterics and she came and picked me up. I called my parents (of course I didn't want to let ANYBODY know because I felt like the biggest loser in the world, but I had no choice) and told my dad what happened... my mom brought me her car to use for work the next day, my dad graciously calmed me down and lent me the $$$ to get my vehicle back so I got it back yesterday, which was a big nightmare in and of itself.
Ugh... bad week. My dad wants to pay off my car so that I can then make smaller payments that I can afford to him, so I have to get a payoff quote from the bank. I really, really, really hated borrowing the money from them to even get my car back and really don't want to take one more thing from them (hello, pride...) but we'll see. I don't know what I would do without my family....
Things can only get better, right?? RIGHT?!?
I officially hit rock bottom (repo)
August 28th, 2009 at 07:12 am
August 28th, 2009 at 07:30 am 1251444625
I'm so dead tired, but after reading this, I had to go and read some of your recent posts to see what happened. From what I saw, you should definitely focus on making sure nothing impedes your ability to work, that means food, shelter, transportation and clothing. Also, sit down and call all your debtors and tell them you're on the verge of bankruptcy. Get them to work something out, either by delaying payments or reduce your debts.
Good luck and hope something good will come out of it.
August 28th, 2009 at 10:33 am 1251455619
August 28th, 2009 at 12:22 pm 1251462140
August 28th, 2009 at 01:00 pm 1251464410
August 28th, 2009 at 01:03 pm 1251464617
August 28th, 2009 at 01:41 pm 1251466892
Take your parents' help. They are offering it and it will ultimately ease things up on you, being able to make smaller payments. You will get back on your feet faster.
August 28th, 2009 at 01:44 pm 1251467061
Yes - Things are going to get better, with quite a bit of hard work and planning on your part.
August 28th, 2009 at 02:59 pm 1251471583
Accepting help graciously is difficult. I know. MY BOSS was the one that came by and offered me a 5% interest loan (cc's were about 30!). Could you believe he even put together a nifty little excel file to show me that YES, it was also an advantage for him?
August 28th, 2009 at 05:51 pm 1251481899
August 28th, 2009 at 07:31 pm 1251487862
August 29th, 2009 at 12:08 am 1251504531
August 29th, 2009 at 03:04 am 1251515087
Scfr is right. Take your dad's offer, & if you can get some sort of consolidation loan from him, you will have caught a break. He definitely will give you a better deal than nearly anyone else!
I hope things get better - unfortunately, that'll be hindsight. You have to work with the now.
August 29th, 2009 at 03:42 am 1251517346
September 11th, 2009 at 09:01 pm 1252702893
Jerry
July 13th, 2018 at 06:47 am 1531464425
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