From the monthly archives:
So, I worked out a deal with citifinancial to give them $200 (I did this on Thursday this week, with a money order), and a $300 post dated check for Feb 15th, of next month.
The bastards cashed it on Friday, overdrawing my account.
I’m going down to the local cifinancial office on friday to have a [...]
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No updates today on reducing any of my payments…I didn’t get around to calling Litton, and its too late in the day now.
Business Stuff
I had a great last 24 hours business wise. Our advertising packages are selling like hotcakes due to an article I sent out to a few contacts. I sold 7 packages today, [...]
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I had some time this afternoon to work on my payment reduction strategy.
Right now, I’m hating WellsFargo (my own bank of 8+ years), and loving Citibank. Let’s recap
The Ugly (WellsFargo and Chase)
I have 3 lines with Wells. A $500 limit student credit card, which I plan on keeping current, as the payments are low. A [...]
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I figured I’d post a response to some of the insightful comments the past few days…
…Advice: take a really hard look at where you spending money (then stop it), get a part-time job (instead of going to the gym and writing a blog), use the part-time money to help pay off the loans… – amazed [...]
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All my sins…
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It’s felt like a trifecta of pain today. After a full work day, I began getting on the phones again to deal with the creditors.
American Express (total balances: $2,783)
I have two AMEX cards. Lines of $500 and $2000. The balances are: $772 and $2011 respectively.
When I reached the CSR (customer service rep), I asked first [...]
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Emotions.
They are a good healthy thing. But sometimes they suck.
I did not realize the emotional impact all this debt was having on me, until I began dealing with it all last week. Having to tell my parents wiped me out for 2 days. Now, after a good 12 hour work day yesterday, I woke up [...]
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Whew. Just got off the phone after about an hour of calls to creditors. This was my first time ever calling someone and having to say, “I can’t make that payment”. It was tough.
Luckily, the two citicard reps I talked with were EXTREMELY helpful. Let’s review my first call about my 4 citibusiness cards:
CitiBusiness (4 [...]
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Cancelling my XM radio was fun. Not.
I called last saturday to cancel and was told to, “call back in one hour because we are having a problem with our system and cannot cancel you at this time”. That sounded like bull, but whatever, I called back today.
After giving all my info to the first rep, [...]
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My student loans (except my $70/month federal one) are now out of the way for 6 months. I had two I needed to take care of today, loans at Sallie Mae, and at Citibank (www.studentloan.com).
Sallie Mae Forbearance Process
I called the 1-888-272-5543 number listed on the website, and also the number given when you click [...]
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