Indignantion

There are a lot of things causing me to feel pretty worried today, but I think inside I’m building a tiny spark of “calm”.

I did post to my favorite message board about credit issues. I asked if calling creditors and informing them of an intent to declare bankruptcy would stop legal action.

Of course the answer was no. If that were true, no one would even bother with bankruptcy, right? Call and tell you’re creditors, and whoops! No more problems with them?

Anyway, I then sent an e-mail to my sister-with-the-bossy-attitude that I wasn’t mad but felt she was underestimating my problems.

I’ve thought about this over night and came up with a list of things that I don’t think my sister was adding into the equation before she came to her conclusion.

...I am not a phone person. It can take me a week and sometimes narcotics to get myself into a state of mind where I can make a simple phone call, and it’s incredibly stressful for me. I don’t do these things easily or well.

...The debt is not mine. I, personally, and not declaring bankruptcy, and it would be stupid of me to do so at this point, as I have a very modest amount of debt (a couple vet bills, a credit card that I defaulted on, and a couple doctor bills in my name). DH is going to have to be the one to take action and there is no way on earth I, PERSONALLY am going to advise him to tell creditors something that may or may not be true.

...What I WILL advise DH to do is deal honestly with the creditors, and work within the system to settle the debts. Scrupulous honestly.

....One of the things that really pushed my buttons is that she stated that we’re going to LOOSE EVERYTHING if I didn’t take her advice instantly.

Now… Listen here, missy. I’m already stressed enough without vile edicts and declarations that I’m “GOING TO LOOSE EVERYTHING”. Particularly since that statement isn’t true. Saying horrible things trying to get me to take an action that is NOT in my best interest is NOT a good way to help me at this point.
The legal action is already in the works. It’s far to late to call the two creditors that are already fighting over us and start making false statements. We’re going to have to see them in court very shortly and I don’t want former lies hanging over our heads. DH and I need to keep this situation as clean as possible.

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All that said, it’s a pretty morning, and I work tonight, tomorrow and Monday I think. There should also be a paycheck waiting at work for me.

I need to send out the ISP bill today, and drop a check off at the mortgage company.

DH and I also need to set up a good grocery list.

That and mail out the response to the lawsuit to the appropriate parties.

And make a clean, clear copy of our spending record for court.

Ok. Those thoughts pretty much just terrified me.