So, I got to spend the entire day in a lawyer's office, but it wasn't as painful as I expected. Granted, I cried in front of a total stranger and feel like a complete loser...but hey, I'm on the path to recovery (so the guy says). He's got me filing chapter 13, reorg, so I am not going full hog and I can keep my assets. Er, well, I would be keeping my assets if I had any. There's nothing more humbling than having to fill out a completed workup of all your worldly possessions and realizing that you don't own jack shit. I can't help it, I've always been rather fruegal when it came to home expenditures. The furniture in this apartment that's actually mine is all the stuff I had snagged at thrift stores, or garage sales and repainted. The most expensive stuff is my electronics (go figure).
But, I have a nice lawyer (seriously, they exist!), and only lost one day filling out the pile of paperwork. When it was all said and done, I just blew my nose and said "What do I do now?"
"Well, now I take it from here, and you can see me in court in about a month. But for now, go home, bash on one of those video games, and for God's sake...breathe"
He's even arranging to get the money BACK from the sonsofbastards United Collections Services (the evil cackling fuckers who garnished me), and ensure that I can keep my tax returns for the next three years. The only payment we could come up with to the trustee courts that I could actually afford was $100 a month (yea, I make jack shit now, so $100 is a big friggin deal).
But hey, now I don't have to cringe every time I see a blocked call appear.
I'll be able to have an actual bank account.
I can stop being afraid to open my mail.
I can take "worrying about 5,000 in medical debt" offof my list of crap to think about.
I'm still not going to get a credit card, though. I've lived my entire life without one, and still had to declare bankruptcy. *sigh*
I'm going to go back to that whole "breathing" thing he talked about. It feels kinda nice!
Thursday, February 26, 2009
Monday, February 16, 2009
The return to complet e abnormality
Well, I've come to realize that my life really isn't just happy having any resemblance to "normal" so I guess a complete clusterfuck is pretty much becoming my way of life. I was sooo hoping to quit smoking, but well, that just didn't want to happen.
Funny, every time I try to quit, my life just goes "Gotcha, Bitch!" and throws a few dozen train wrecks my way for shits and giggles. It's like Fate's way of saying, "Try and not have a cigarette while facing this!" which promptly results in me screaming in horror and running for the nearest Korean market. This time our line up of the insane consists of:
****Babysitter quit, had to find new one, ran out of time, settled for way too young and not too bright
****Lease ends in 1 month, can't afford rent hike, can't afford to move
Job fucking with me (oooh, shocker) by...
1) No raise as promised in October, but "you'll get the yearly in March"
2) Just kidding! No one's getting the yearly, but thanks for sticking around a few more months...
3) Hey, be grateful! We did tell you for 2 months we may have eliminated your position anyways! We didn't lay you off, you should be so happy!
4) By the way, we know we doubled your workload with the extra district, but, um, yeah, if you work overtime, that's on your head. NO OVERTIME. SO what if you do't have enough hours to do your job.
****No matter how many places I apply, there's about 175 other people applying for the same job. And since most of the time I'm overqualified, people don't want to interview me and just let me know "we couldn't meet your salary expectations." Sadly, they never let me get to the part where, because I work at Radioshack, I'm used to getting paid peanuts for 3 times the job I'm just supposed to do.
****I need to move forward and file bankruptcy because one of my creditors won't take a goddamn payment arrangement. I'm a single fucking mother, no child support, and
barely making a living wage, but this bastard would rather force me into bankruptcy than allow me to make a small payment of $50 a month. OK, so it's small, because I'm also paying off my craz as medical bills from last year, but jeez, at least I'm trying! But Nooooooo...United FUcking We Hate You Collection Agency said "Fuck you, we're garnishing". Chapter 11, here I come!!
-------------------------------sigh----------------------------------
-------puff puff---------------------puff----------------------------
Well, I'll try again, and again, and again.
I'll eventually get a job.
Then I can say Buh-Bye to the Big Red Screwshack.
We'll move, and I'll figure out a way to shell out rent. And hopefully it'll be a big enough place to give me a corner to paint in.
And, well, bankruptcy is pretty dang final, and will at least end my nightmare on that front.
And after the new job and setling into a new place, I can situate myself with a decent babysitter.
LoL...the other day we were running late, and I was whining in front of kiddo about not getting to work on time. He loked at me and said, very solemnly, "If Mommy's late she'll get a spanking". I laughed and explained that grown ups don't get spankings for being late to work.
But hey, at least Mommy would spank back!!!
Funny, every time I try to quit, my life just goes "Gotcha, Bitch!" and throws a few dozen train wrecks my way for shits and giggles. It's like Fate's way of saying, "Try and not have a cigarette while facing this!" which promptly results in me screaming in horror and running for the nearest Korean market. This time our line up of the insane consists of:
****Babysitter quit, had to find new one, ran out of time, settled for way too young and not too bright
****Lease ends in 1 month, can't afford rent hike, can't afford to move
Job fucking with me (oooh, shocker) by...
1) No raise as promised in October, but "you'll get the yearly in March"
2) Just kidding! No one's getting the yearly, but thanks for sticking around a few more months...
3) Hey, be grateful! We did tell you for 2 months we may have eliminated your position anyways! We didn't lay you off, you should be so happy!
4) By the way, we know we doubled your workload with the extra district, but, um, yeah, if you work overtime, that's on your head. NO OVERTIME. SO what if you do't have enough hours to do your job.
****No matter how many places I apply, there's about 175 other people applying for the same job. And since most of the time I'm overqualified, people don't want to interview me and just let me know "we couldn't meet your salary expectations." Sadly, they never let me get to the part where, because I work at Radioshack, I'm used to getting paid peanuts for 3 times the job I'm just supposed to do.
****I need to move forward and file bankruptcy because one of my creditors won't take a goddamn payment arrangement. I'm a single fucking mother, no child support, and
barely making a living wage, but this bastard would rather force me into bankruptcy than allow me to make a small payment of $50 a month. OK, so it's small, because I'm also paying off my craz as medical bills from last year, but jeez, at least I'm trying! But Nooooooo...United FUcking We Hate You Collection Agency said "Fuck you, we're garnishing". Chapter 11, here I come!!
-------------------------------sigh----------------------------------
-------puff puff---------------------puff----------------------------
Well, I'll try again, and again, and again.
I'll eventually get a job.
Then I can say Buh-Bye to the Big Red Screwshack.
We'll move, and I'll figure out a way to shell out rent. And hopefully it'll be a big enough place to give me a corner to paint in.
And, well, bankruptcy is pretty dang final, and will at least end my nightmare on that front.
And after the new job and setling into a new place, I can situate myself with a decent babysitter.
LoL...the other day we were running late, and I was whining in front of kiddo about not getting to work on time. He loked at me and said, very solemnly, "If Mommy's late she'll get a spanking". I laughed and explained that grown ups don't get spankings for being late to work.
But hey, at least Mommy would spank back!!!
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