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yeah; I was coming from the standpoint (what we went through) where we couldn't make the huge 'minimum' any longer;; lost my job and months of not being able make the minimum left us with a huge minimum. so the fees kept racking up, and they weren't working with us.horrible cycle. when we finally called them and told them a 'take it or leave it scenario' they finally worked with us; waiving thousands in fees/interest etc. We weren't using the cards at all (haven't used one in over a year) but the minimum was killing us after incurring all the fees etc.
it was a horrible situation; it's getting better slowly but man....never again.
we weren't really even in 'that' much debt; but we lost 65% of our income for 7 months and when I got another gig at a 42% less pay...uggh. it adds up fast. despite years of paying on time etc, but man....they want their money no matter what (duh...but it just re-emphasized it ).
never again.
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Good for you man, I really hope you do well.... I found out something a long time ago.... if you don't have many or any bills, you don't have to work a whole lot
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Originally Posted by warispeace
I bought it new, not financially smart but oh well. The house is on a 10-year mortgage and we're ahead of schedule paying it off. Not rich yet but saving everything I can for retirement...
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Live and learn, Pay that house off and you will be a very rich man for many years to come...
Congrats, sounds like you got it going on
