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About justagirl15

justagirl15 started this conversation
Nov 25, 2009

I am a 25 year old female looking for some assistance. I am so depressed and hurt. I thought my life was going good until some guy entered it and pretended to love me. He really just wanted to use me and used my credit card and now i am 8,000.00 in debt. He is no where to be found. Ive spoken to the credit card company and they say i am responsible for that money. My bill is 180.00 a month. I feel like i can never finish paying this off as i have my car payment, rent and bills. and the interest on the card is overwhelming. I feel like i can never get my life back on track until i pay this off. I work as a waitress but it is not enough to survive. I have no one to help me, and i am so depressed and feel so stupid. I wanna go back to school i feel like it will never happen because i can not pay for it. I rent a room from some ladys house. I wanna rent my own apartment but not with this credit i have now. I feel like i have lost everything in life just for loving this one person and he could care less. I have never heard of this happening to any one before and i am wondering how i could be so stupid. It is so embarassing.  I have always been such a nice young lady. I have always been respectful and willing to help others. It feels like when i am in need there is nobody there for me. If someone could help me out that i would be so grateful. Even if some one could let me borrow money just so i wouldnt have to pay for the credit card interest, life would be heavenly. And i would pay you back. Please some one help me get my life on track. Please message me on here and i can get back to you. Thank You.

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dnamom
Nov 27, 2009

First of all, let me tell you that you STILL ARE a nice young lady, you have nothing to be ashamed or embarrassed about, and you are CERTAINLY  not alone.  If you don't beleive me, watch the daytime judge/court shows to see how many people get screwed over by an ex-lover/spouse.  It's sad, but very true.

Now, as far as the credit card...I'm wondering why you must be help accountable for this.  If you signed for the charges, then I suppose so.  If you both had either a written or verbal agreement, it may be worth taking him to court.  Either way, this is a CIVIL matter...if you cannot pay it, DON'T!!  Yes, they will call and make threats, etc, etc...but just dont answer the calls...or even change your number.  You could also try calling the credit card company and ask for a reduction in interest rates.  If you do not pay it, it may be ONE black mark on your credit, and you CAN and SHOULD go to all three credit reports and contest the information.  It's free and completely legal.  If this is all you have as a black mark, and you have other positive credit, you have little to worry about as far as applying for an apartment, etc.

Now, about going to school...it doesn't sound like you make much, and should be able to qualify for grants and possibly others monies to go to school.  Email me privately and I can guide you on this.  tanya_hanna67@yahoo.com

 

Blessings! 

 

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