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We have a bunch of medical bills from when we had our daughter, and from an incident where my husband got extremely ill from some unknown blood infection. We still don’t know what the results of the tests were, yet we’ve got to pay $2500 for the 3 hours he spent in the ER.
Anyway, two separate collection agencies went an bought all our debts, then within weeks of each other filed against us in court. The served papers were vague, I wasn’t sure how to respond, we couldn’t afford a lawyer, I called the agencies, was told pay it all, we won’t accept payments. Great, I don’t have $8k in my pockets…so it went to court, they won, wage garnishment commenced, both of us!
Today husband got his first garnished check, is flipping out major, yelling at me that I was somehow supposed to pull something out of my butt and prevent this, yadda yadda. I tried, I tried loans, refinancing the house for an equity loan, tried negociating with the agencies, nothing. Our credit is fried, they added a lien on the house so that prevented the refi, we’re stuck.
Upside, in 7 months one will be paid off at the rate they are stealing from hubby’s pay…max allowed which adds up to about $800 a month, add in that I am losing another $200 from my end and we’re getting hit for $1000 a month, whether we can afford it or not.
We can get through this, it won’t be easy, but it is possible, we just won’t have much money for anything outside of our current obligations.
My biggest issue at the moment is being yelled at when I tried everything I knew, didn’t get any damn help from him, and yet it is ALL my fault! He didn’t call any of these people, he didn’t try every possible option out there, he sat on his butt and dictated what I should try, and I tried, then when they all hit brick walls, I gave up. He’s pissed because nothing panned out and I am not willing to keep banging my head.
Anyway, my blood pressure is sky high, I feel like crying, and I’m very angry with my husband for bowing out of dealing with it, then screaming at me when my efforts failed.
Anyway, I am afraid my plans for many things are on hold for at least 8 months.
Kyrin
That’s really horrid!!!! 👿 👿 👿 Vent all you want/need; that’s what friends are for and if it keeps you from killing your hubby, it’s all good… Mega hugs from our family!!!! (and twin hugs are nothing to scoff at…) Hang in there!!
twindragonsmum
tdm
Thanks everyone! I really need to win the lotto, but my last attempt at winning only hit the powerball, figures, I hit the hardest one and the rest don’t line up! At least I get $3 out of it.
Kyrin
*hugs* I know what getting yelled at for something that isn’t my fault is like (although my situation was not nearly as bad)… just hang in there, and remember, killing him won’t be nearly as satisfying as it might seem…
He’s stressed too (even though he could have helped you with stuff) so don’t look too much into him yelling at you.
*hugs again*
Hopefully your hubby will sit back and realize what he has done and apologize. It will probably make you feel a little better. I hope things get better for you guys. Creditors SUCK!!!!! They need to be beat!
:spank: :spank: :spank: :spank: :spank: :spank:I’m sorry, Kyrin. It’s not fair for your husband to yell at you, especially if he didn’t put much effort into solving the problem. I hope he apologizes.
Hang in there Kyrin. Things will get better eventually. Creditors are just evil and the cost of healthcare in this country is just ridiculous. 👿 It’s not fair that your hubby is taking it out on you without doing much/anything on his part to assist, especially considering he was the one who got sick. Some people. 🙄
*hugs*
Oh, Kyrin, that sucks! Unfortunately, stress will get the worst out of people.
Hugs!
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