I recently started the DOLP (Dead on Last Payment)

Hello everyone!

I recently started the DOLP (Dead on Last Payment) and the way it works is you enter what you owe on each card, what the minimum payment due is each month and then you divide the amount owed by the payment due and that is the DOLP. Then you sort the DOLP by the lowest number first and that is the credit card you apply extra payments to each month while paying the minimum due to the rest of the forms. The idea is that you’ll pay off the lower DOLP cards quicker. My problem is that, some of the credit cards I have, if I pay only the minimum payment, then the balance goes up the next month. So, it all doesn’t make sense to me. Can someone help me with this please?

I know it is mentioned there, that¹s where I got the idea… But I’m asking in your forums because I thought someone could help me to understand why my other balances are going up when I pay the minimum amount due and should I pay more than the minimum amount due even though the DOLP says not to?

There is a website online that I read ab out in Readers Digest called debt goal. I did not sign up for anything it was free. What it did was show me with the interest rates that I plugged in how much I should pay on everything. It says to pay the minimum on the lowest rates and whatever you have towards your highest interest rate card. Have you stopped using the credit cards? What I never understood for a long time was that the credit cards had their interest calculated daily which caused me once I started using them to quickly snowball my way deeper into debt. We paid off one card and if I need to purchase something online I don’t unless I can transfer the cash out of my savings account. Then I pay that bill right away.

If you sign up for debt goal (not to pay bills on but just use their calculater) it will show you if you pay such and such what your amount will be and how quickley your total will decrease. My understanding is that there’s a flaw in the calculator in that it doesn’t calculate interest. So… I’ve pushed this before, but I’ll push it again.

The Rapid Debt Repayment Plan Calculator (at debtproofliving.com) is the best I’ve seen. It not only calculates your interest and gives you a payoff calendar, but it allows you to sort by either interest rate (highest to lowest), payoff amount (highest to lowest), or a manual sort of your choosing. It also will recalculate your interest and payoff date if you pay every two weeks. And it allows you to add a “booster” amount.

The only downside is the $29 annual fee for access to the web site, but you get a bunch of other stuff with that, and frankly, I think constant motivation is totally worth it. (carefully stepping down from soap box) Sorry for the enthusiasm. I just love having a tool that is accurate. It makes this whole process much more transparent and makes me more optimistic that I’m doing the best I can to get out of debt!

I work for Albertson’s and not every sale item rings up right

I work for Albertson’s and not every sale item rings up right! We have a policy that many people don’t know of, which is “price accuracy.” That policy is posted in the store at every register. If something doesn’t scan right, its free. (With a some exceptions). But you would be surprised at some of the things I have seen become free. So watch the prices and watch your receipts! Most stores want to keep their customers happy and will fix any mistakes that were made.

I thought I replied to this already. There is really no help that anyone can give until you find out where ytour money goes. Telling us you have a budget of $300 a week ($1200 a month) gives us very little information with which to start.

Do you have a car payment? How much is your car insurance? How much gas to you need a week? All this stuff you need to find out for yourself and then ask for ways to cut back. A better question for you to ask would be ‘I just noticed I spend $80 a month on coffee, is there a way to cut this down?’. Of course that was my personal experience. I had no idea that I wasted that much money every month until I, oops, you guessed it, wrote it down. So I don’t mean to be rude, but reposting three times and not giving us any new information and not taking the advice in the first place is going to get you nowhere.

Not sure anyone can answer this. I have been working with naca since december to get the bank to modify my mortage its is in forclosure now I can seem to get anywhere with naca or Bank of America I have had to submit forms so many times because naca kept telling me i did not submit them come to find out i did not sign one of them. Finaly got that done and my file submitted. Then the bank requested some documents I did not know what they were tryed to contact naca it took 4 weeks to get a appointment buy then the bank denied my file. I had to start all over again. My file has now been subbmitted twice its now been over 30 days and I still have not gotten a answer just talked to naca they told me I will most likly loose my house and its only been 30 day I should give them 15 more days and to call them myself. Any suggestions any one has of what else I can do Please let me know.

Have you tried the Hope for Homeowners program? I think it is over at the end of the month. I thought there was no hope for us- we were laid off and got behind on everything and expected to lose the house. But our mortgage company- who had been awful at helping prior to that- contacted us about the program. It reduced our payment by a thousand dollars and cut what we owed on the mortgage in half.

It might be a good idea to start with keeping a log

It might be a good idea to start with keeping a log of every penny you spend for 2 weeks. Write everything down that you buy everyday and get yourself an idea of where your money is going. Once you have that tallied up, you will know where you can cut back. Things like cigarettes are of course going to be a waste of money, as is a coffee or coffees everyday. You can make a coffee before you leave for work for free (well almost free) rather than a dollar or two daily. I cut out my daily coffee and juice drink that I used to get on the way to work because it was costing me $74 a month.

I posted asking for help with setting up a very simple and basic budget working with $200-300 dollars a week. I have gotten myself in to a very bad debth with credit cards and other things. when i get my paycheck i end up with nothing the next day i end up asking for money for lunch. i don’t pay the major bills my husband takes care of that. the bills that i pay or my car note and car ins, cell phones, life ins, and also the other household bills and i buy the groceries which i seem to go to the store everyday. i live from paycheck to paycheck please if anyone can give me some answer i would be grateful. also i asked if any one was fiamiler with the old fashion envelope method that some people use. i just need to know how to keep some cash in my pocket and also i want start saving for a vacation with the family next year and want to have all my bills paid by dec/jan.

Don’t know if this will help you but it did for save some money for us!! I didn’t renew my cellphone account and went with a prepaid account (T Mobile) because I don’t need it everyday. But my husband uses his everyday and he got a (T Mobile) plan that has 3000 minutes for $59 a month(worked out great for him) no more paying overages!! And instead of buying lunch everyday, try bringing something. I make enough dinner so that we have left overs for lunch the following day. Or bring a sandwich or if you have access to a microwave (and the time) frozen dinners, Albertsons has the Banquet meals on their 10 for $10 sale often! That is so much cheaper than buying lunch everyday. Hopefully that will help a little bit!!

Did I misunderstand or were you somewhat offended by Thom’s suggestion that you start with a simple list… just write down every single penny you spend and where you spent it? I know that sounds too simple, but it is an excellent idea, and is the least expensive, easiest, and most effective thing you can do right now.

Only when you know where your money is going will you even be ready for the envelope method you mention. You say you go to the grocery store almost every day. Do you realize how much money that is costing you? When you don’t plan what you will buy, you will waste money at every trip. Do you check your cash register receipt for errors every single time? If you don’t, you are wasting money, because most make a lot of errors, and they are not in your favor.

Do you use coupons and shop on “double” and “triple” coupon day? If you don’t, you are spending 30 to 50 percent more on your groceries than is necessary.

I don’t mean to be a smarty pants, but like the tee-shirt says, I’ve been there, and done that… and, after all… you DID ask. So just give it a try, OK?

My finicial problem is very bad i just started to work

I am new to this blog and i would like some help if possible. First my finicial problem is very bad i just started to work and i just dont know where my check is going. My phone rings all day with collection agency calling and harresing me and my family till at least till 9:oo at night. I went to cccs to get on their debt managment program but i need to send $220.00 i am just lost about everything i need some help as to how to start digging myself out i was told about the money envelope system. Is there anyone that can give me some answer as to how to start with something simple and what to do with my paycheck starting theis week and how to stop the phone calls from the collection agency they have been baddddddddddddddddddddddddddddddd. I get paid every week these are just my personal credit card bills that got out of my control pleas help me set uo something basic and simple.

Don’t worry about sending them the money if you cannot afford to pay your basic necessities. Basic necessities come first. Food, Shelter, Utilities. Credit cards come last. I am going to give you the name of a person who specializes in this kind of mess and I have been there too, trust me, and he has really helped me out. Actually on a daily basis. Go to www.daveramsey.com. There is a ton of information on his website (although there is a membership fee for complete access — forums, other people facing debt and their successes, etc.) but you can start to listening to his program, which is live on the web every day or you can listen to the archives for free. He has been on CBS, etc. Very credible. He was once a millionaire, lost everything, found Christ, and rebuilt his wealth on sound Biblical principles. One thing that he does say is don’t go to consolidation services because they just charge you an outrageous percentage to supposedly consolidate your credit, but you
still have a big bill, and they don’t always do a good job with keeping up. I hope that this will help you.

Don’t send any money!

When a collection agency calls get their address and write them this letter:

Their name and addressed


CRRR # if you have

Re: Acct # if you have

To Whom It May Concern:

Please be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all phone calls to me, my relatives, my employer, my friends, and my neighbors.

If you need to contact me, I am hereby requesting that you do so only through the mail at:

(post office box address).
or home address

This is not a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt.

Please attach copies of:

Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment.

Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.

All billing information as to charges, dates, signed by.

I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim.

In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities ,the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion.

I also hereby reserve my right to take private civil action against you to recover damages.


your name

I thank i have posted before but i need to know how to go about how to set up a very simple basic budget on a small weekly income of about or close to $200-300 a week. I don’t have a clue as being able to spend my money correctly i live from paycheck to paycheck and in a very ugly credit card debth among other things. My wallet is always empty and that should not be, I get my paycheck and the next day i borrowing money for lunch. My husband takes care of all the major monthly bills.

I have a car, misch bills, and i have credit cars, i need to be able just to keep a few dollars in my pocket from week to week and help out my husband as much as i can and also i am going to the grocery store just about everyday how do i budget all of theis i am tried of nickling and dimeing my self every week also as any-one ever treid the old fashion envelope system how dose that work. can some one please help me

Verbally rejected after writting a physical letter

So, I was by phone today-verbally rejected after writting a physical letter and mailing it to the collections agency offering to start a payment plan making out a check today and sending it out. I went on the freefax site and copied it to the original medical compay/Doctor’s billing dept. that hired them and said my money was being refused. I wonder what this will do? I just want the darn agency to accept the payment plan. Can we turn them on eachother and get what we want? Maybe I will in this case.

I usually offer the CA (collection agency) 10% of the balance they claim and demand a letter stating that they will report the account paid in full to the credit bureaus. Sometimes they will accept and other times they want more like 40% of the balance. That starts a negotiating cycle where we usually settle on 20-25% of the balance. I took on a 2nd job just to pay off all my accounts.

What about the IRS rules on settling debt? Don’t you have to claim the difference as income? I would like to settle my debt and straighten out my credit. I became ill recently and by the time I was able to receive disability, I was slammed with medical bills. My credit was hurt during the disability process. I was fired while on FMLA. Even though that is illegal, my lawyer said we couldn’t do anything about it because technically I was employed by an employment agency and not the company that fired me. Nonetheless, under the rules, even though I qualified for unemployment I could not collect while I was waiting for a disability determination, which took 18 months (and I’m one of the lucky ones!).

Having to go without any income for 18 – 24 months or more is designed to ruin one’s credit. Add on tens of thousand in medical bills in the interim and say goodbye to any savings and so on, you get the idea. I was just getting my credit straightened out too. I’ve been sending cease and desit letters to keep my phone from being a nightmare and paying what I can. More recently I’ve been worrying how I am going to pay rent with 500+ for medicare costs per month, not including prescriptions. And the medical bills aren’t over. I still need a kidney transplant. So I need the medical coverage. After waiting 25 months for medicare, I find out it will cost more than private insurance did. So I’ve wanted to straighten out my credit, but even if I can get a creditor to accept 10%, is the IRS going to charge me for the other 90%, and how much?

Looks like I’ll have to declare the amount written off as income and the banks/creditors can declare the amount written off as a bad debt expense. I love our congressman when they pass laws that put us (the consumer) at a disadvantage. I don’t see the point of trying to straighten out my credit. It’s double dipping. The company gets to write off the loss and someone, the IRS and the company now both still collect on the debt. Until consumers get some kind of relief, I’m taking care of myself.

I believe the correct answer is, you need to be prepared to pay the taxes.  You are not required to declare it unless the financial institution submits a 1099.  I would not suggest asking them if they are submitting one, but wait and see.

If you file bankruptcy and you are married

Does any one know if you file bankruptcy and you are married do you both have to file? I am in forclosure right now and have a sale date the bank i have been trying to get the bank to modify my loan and have asked them to postpone the sale date. I was told they would not do it untill 10 days before the date. that does not give me much time to do anything.

You both do not have to file. However if one of you don’t file, the creditors of your joint debts will go after the one who didn’t file in order for them to get paid. It is usually cheaper to file a joint bankruptcy than to file 2 separate individual bankruptcies; so you should consider it. However, you should discuss this with an attorney as they may be able to offer advice to help your particular situation. But it would be best if you both file because if not they se going to your spouse pay your debt.

My co worker has two pay day loans she is struggling with. She has offered to pay them 100 dollars monthly and they are refusing to work with her. They told her she would have to do arbitration to request a different payment arrangment. I feel really awful for her, her husband abandoned her with 2 kids, no education and she’s living on just above minimum wage. I know the pay day loan was a bad choice, but I know she felt she had no where else to turn. She doesn’t want to default, but needs a workable payment arrangment. Does anyone know what this arbitration process is, and will it help her? What about consolidating the loands, they are with the same place?

I am new to this blog. Arbitration is a much more workable solution than going to court, however in this case, the Arbitration officials or organization is selected by the lending company. I would suggest that your friend pay $100.00 on her account until it is paid off. Send the payments by mail, certified, return receipt, along with a letter explaining her situation and proposing the new repayment plan. Hope this helps.

The deck is stacked against anyone who is foolish enough to pay off their debts. File bankruptcy and your credit score will return faster with less cost and hassle than if you negotiate a deal. Sad but true. I would never call say that paying off one’s debts is foolish, it is the right thing to do if one can.  There are occasions where a lender forces a person into bankruptcy court because the lender (or collection agency) won’t work with the individual.  I have settled several debts through negotiation and have paid off all my debts over the past 4 years and watched my credit score climb rather quickly.  HOWEVER, I do not intend to use the credit score to ever borrow money again except maybe on another house once I sell my current one.  But only when I know I have 6 months expenses in savings and have at least an additional 20% down. One would be very wise to read Dave Ramsey’s books about money and put them into practice.

I have decided to throw as much at our debts as possible

DebtsI have decided to throw as much at our debts as possible. First, I will work on building an emergency fund ($1000-$1500); then, pay extra on any debt that has fallen even a little tiny bit behind. I want everything up to date. Then, I want to cut our expenses even more than I have last year. Our only “splurge” right now is cable, since we don’t go out at all. We work, spend time with our child & each other. We look around for free or low cost things to do as a family. This year, we are going to spring for the zoo membership, since we go often.

Ultimately, I want to get our wall-to-wall carpet ripped out. All of it.

First up will be our kitchen (I did not do it!) and our dining room. In its place, there will be tile. I am soooooooooo looking forward to solid surfaces and no carpet in these two areas. Before the end of 2008, it will be installed. My goal is by the end of August. I want to squirrel away 80% of the money before getting the tile installed. I don’t want to increase our debt load at all. Someone, I believe it was Herlean, mentioned having a written plan for the debt paydown this year…..if you dont mind me asking, what does your plan involve and what did you do to set it up? I think putting it in writing would really help me too..

I haven’t been online in a few days.

What I did was take a piece of notebook paper and gathered every single statement that I could find. I wrote down in column form, listing the highest interest rate down to the lowest. Some people write highest balance down to the lowest. I added a column for the due date, the date I need to mail the bill so it is not late. Later, when I put it on an Excel spreadsheet, I added the mailing addresses in another column. I find it very eye-opening to see the total that we owe each month, the total of all of our debt, including the mortgage, on paper.

For instance:

Who Do I Owe? Balance Payment Due Date Mailing Date Interest

Mastercard $3,098.76 $35.00 March 1 February 15 7.85%
Sears $975.88 $10.00 March 10 March 1 22.00%
Auto Loan $1,000 $350.00 March 15 March 1 10%

This way, you will see how much you owe in black & white and have a real clear picture of what you owe. It will make you somewhat sad, but it can also fire you up once you decide to pay it off and get it done with.

I am struggling with debt right now and really hoping to get a few pointers and some camaraderie here. I look forward to getting to know you all. I know your struggle all too well. Years ago I had a college instructor that said “debt is economic slavery.” That is all too true. The key to getting out of debt is changing your view toward money and spending. I’ve gotten out of debt only to get right back in. I am still in debt but am getting out by the grace of God and intend to stay out. I like to listen to Clark Howard and he has some wonderful resources at www.clarkhoward.com. Also www.stretcher.com will show you how to make even a tiny bit of money go a long way — or at least further than it does for most folks.

That’s what I hope to do with this juniper bunch

That’s what I hope to do with this juniper bunch when they call me. I’m on a cell phone as when we had the DSL taken out (Went to Cable) The phone line was shot to heck. so cell’s better anyway. I rarely use a phone, so…. We’ll see by next week what they say. I dont know much about this whole group thing im in school and im doing this for an assignment. however this topic is a very common topic around my house. me and my fiance are having trouble with not getting out of debt.He is currently not working because his work has no work so we are getting on unenployment, but we are having trouble witht that. we have a baby and i would really appreicate it if anyone could give me some advice on how to get out of debt.

I am new to the blog and I have a qustion. I am trying to get copies of my credit reports but I can only find the address to Equifax. Esperian and Equifax have an online request form, but I am hesitant about the personal information online thing. Transunion has a form which appears to be through a third party that can be used to request all three reports. How do I safely request my reports?

If you want your reports you can get them at www.annualcreditreport.com for free…. 3 free a year.. 1 per agency. you can purchase your score thru these sights but it might be cheaper if you want all three scores at once to go thru fico.com! Good luck. hope this helps some!!! I’m trying to get myself on track for 2008 and one of the suggestions I heard was to join an online community, so here I am. Here’s my little situation just to get me started: lots of credit card debt (must I give the amount? Let’s say it’s around 15k); just bought a house in March 07 and the mortgage takes up 66% of my income; husband out of work, somewhat by choice, and that’s probably an issue for yet another group.

So I am going to my credit card to pay for groceries and gas, can barely pay minimum payments, and oh yes, my husband’s student loan payments kick in completely in January, to the tune of an additional $275 a month. I know! It’s ridiculous! All I can say is: southern California real estate prices. There were several reasons we ended up buying a house, and of course, I thought my spouse would be working at some point to help out with the expenses. I’m hopeful that will happen very soon.

Thanks for the tip on student loans. In addition to that, my overall plan for ’08 is to pay down debt gradually, starting with anything at all over the minimum payments and then work the amount up; build up savings gradually; and decrease our dependence on credit cards. Because of the house (and our relatively low income!) I’m anticipating a significant tax refund, which will be split equally between savings and debt payoff.

Would you possibly have room for another reliable roommate?


How big is your house? Would you possibly have room for another reliable roommate? This could make paying off the credit card easier and faster. Also, try calling the Juniper Bank – speak to a manager right away and see what they can do to lower that interest rate. If they won’t budge, go to your regular bank where you are a valued customer and see if they can give a personal loan at a better interest rate. Pay it off as fast as possible and stop using credit cards. My firm belief is that where there is will, there is way.

I found out the hard way myself that it’s far easier and faster to save up for an item like a computer… than paying back a creditor. I thought: “I need 1000 dollar loan with bad credit” and visited www.WeGot1000.com website. They approved my loan application almost instantly! You actually then are earning interest toward the item by using a savings account. My first computer was bought on a credit card, years ago. I snowballed on me – I went completely off the deep end using credit cards and ended with almost $14,000.00 in CC debt alone. It took 4 years to pay it all off. My second new computer, was bought about 4 years ago and I saved up for it for only a year, at the most. That was definately easier.

Your situation can have a happy ending- don’t let Juniper bank kill your digestive and coronary system – it’s not worth it. Did you try to contact the credit card company when the check bounced? Usually they will work with you if you have never been late. They can waive the late fee and such. Since you pay on time and always over they may work something out with you. Or you can pull the “Such and Such Credit Cards said that they could give me a better rate of whatever percent or less of what you had before. I am looking to see if you can match that before I transfer the card to them.” My mother has been able to do that many times and since your credit is not shot like the rest of us, it may work for you.

I have no more room for roommates, so that’s not an option… I am researching on what I could get for a Martin guitar I have had since 1974, and will hopefully sell that to get a chunk paid off of Juniper. I did call them and await their ‘card services’ people to call back. They’re open 8-5 EST and I’m on the West coast.

I’m happy you can save up and buy stuff by saving for it, but when you’re on SSI, try it then. It’s very very hard to do so when your income gets a kick in the chops like mine did with a death in the family. I’d have done it that way if it were at all possible, and am indeed not seeking anymore credit cards at all. That’s why I was tempted to just have them sell it off to a collector. I don’t plan on any more credit cards at all….ever!

You are lucky in a way, with dad’s card on top of my debts I owed $40,000.00 and am now at about $12,000.00 to pay off on all cards total, as some were ‘settled’ down for mainly Dad’s card. They are on the way down, and as I said, Machol & Johannes’ debt collectors will be done with by about June/July, 2008. Then that $300.00 a month can go to a card I have had home repairs done on and it too will be gone quickly.

I will not be getting any more cards. That’s why I don’t try to get a new card to put the Juniper account on. That would p*** them off if I did that <G> But I don’t want any more credit cards. It is not worth it. My Bank would approve a 30 year fixed loan, but I don’t want to put my home on the line and also, when I figure it out, I’d be paying back 3 TIMES what I currently owe over the next 30 years. At fifty years of age, I don’t want to do this.

When I get this debt off my back, then you’re right, I could save up for things more easily, and plan to do it that way. We’ll see what this Juniper gang says and then go from there. I’m just so sad they see not the good, but only the one bad that happened in 2 years of being with them.

This is a real pickle indeed.

This is a real pickle indeed.

While it is good that decided to invest your money, you chose the vehicle for that. But that is hindsight, and that is 20/20.

It is time to look to the future. You need to concentrate on getting out of debt. A chpater 13 would do better for you that settlign the debts. You’ll actually pay a little less for a settlement after you figure in the attorney fees, etc with BK. So I would suggest that you get rid of the credit cards first, through debt settlement, then use that extra cash for a savings and paying down the mortgage. Debt settlement will have a negative impact on your credit score (but I hate credit anyway) but it can be easily repaired…and quickly, depending on you.

When you get rid of the credit cards, you should have a lot of discretionary income. take half of that and use it to pay down the mortgage, and the other half into to safe and proven investments…like life insurance, etc. This should dig you out of the whole. It won’t make you welathly or anything like that but it will bring you to step 0 again. What you do at that point will up to you. I hope that helps. Jae is right about one thing. Pay off or settle the credit cards while you have some income to work with. However, I would recommend something more liquid than life insurance to invest any savings you may accumulate.

A short term CD or money market account will allow you the liquidity you may need if your job doesn’t pan out or you need access to your funds quickly. Also, don’t try any quick money schemes to
bail yourself out. Many people get desperate and go for a quick fix. The real fix is to spend less than you earn and pay regularly on your debt until it’s paid off. Then, learn from your experience. But unfortunately not to debt. I live on a small part time job, and I get SSI for a visual impairment from premature birth. I live in California. My home is my parent’s and paid for and left to me, so I haven’t a mortgage or anything Thank G-D! Every month I pay over minimums on my credit card debts, and most of them are on the way down.

But today, I got a letter from Juniper Bank about a Master Card I had opened in Christmas 2004 (I cut up the original card as I only wanted a computer and that’s it. Used my $2,000.00 limit and bought the box, cutting the card up after that) that because of January, 2006 when I had a problem and ‘insufficiant funds’ my e-payment was returned and I was then technically late…. I Made up for it after that and again always paid over minimums! For that one time, they are raising my APR to 27.99% from the former 17.6%.

I have a mind to go on ‘strike’ and pay them nothing. Let them send it to a collector. I don’t want anymore credit cards or the like, so what it would do to my credit rating that hasn’t already been done anyway…. All I know is I am getting so fed up, I try to get more hours at work, I got a roommate, I have budgeted and strived, and at least a positive, my credit rating is at 680 instead of the previous 520… All my other bills are going down and seeing the lesser balances every month is a good feeling.

When my dad died in 2001 it threw my income to less than $800.00 a month and Even with the P/T job and SSI I am just this side of $1,100.00 a month. Now, $300.00 of this goes to a collector for one of my dad’s cards with which MY name was also on it, so…. anyway I have 1 1/2 more years of that debt and it is gone. I dunno, I had to vent somewhere, as I don’t know what else to do that I am not already doing. I feel like such a loser!

I just looked at the letter and bawled. All that work, and for 1 (One!) late pay, they are socking it to me. Has anyone got these companies to back down and relent? at least going back to a lower rate? I can’t stand it how I see a positive on my other accounts and these guys at Juniper can be so awful.