moldy fox primitive's life's a mess

[franksolich]

http://www.democraticunderground.com/discuss/duboard.php?az=view_all&address=105x8021517

Oh my.

Fox Mulder  Donating Member  (1000+ posts) Fri Aug-15-08 06:56 PM
Original message

I just want to kill myself.
   
My life is a mess. I (actually, my dad was, for me) served a summons today for a credit card from six years ago that I haven't paid. It was a credit card with an $800 credit limit, and now I supposedly owe $2,300 because of interest and late fees. I make $7.70/hr. I can't afford to pay anything. They'll end up garnishing my wages. So then I won't be able to pay other bills.

Not only that, I'm 26 years old, living in my parent's basement. I went to college for 4 1/2 years, never got my degree, and I can't afford to go back. I can't do better than a retail job.

This depression is getting harder to deal with every day. My life isn't even worth living anymore. People always say it'll get better. It hasn't gotten any better. It's only been getting worse. I think the only way it'll get better is when I end it. I'll be free from the pain, the agony, the anxiety. I don't want to deal with this shit anymore.

Don't feel sorry for me.

Fran Kubelik  Donating Member  (1000+ posts) Fri Aug-15-08 06:59 PM
Response to Original message

6. 26 is young. So many people don't hit their stride until later.
   
I was 25 when I got my first salaried job, and that was just pure dumb luck.

People are living with their parents for much longer these days. It's not a sign of you not being capable...it's just that you're not there yet.

My brother never finished his degree. He's had great jobs as a flight attendant and a mortgage broker. I've had other friends with great careers who never got their degree until they hit their late 30s.

You're ok. Don't beat yourself up. You'll be able to make it. I promise.

flvegan  Donating Member  (1000+ posts) Fri Aug-15-08 07:01 PM
Response to Original message

9. Bet you could try and beat that lawsuit.   

C'mon, you can and you will do better. Until then, please talk to someone.

crim son  Donating Member  (1000+ posts) Fri Aug-15-08 07:09 PM
Response to Original message

14. I am familiar with the feeling and acted on it. One forgets when being pounded by the demands of modern life, how glorious it is just to sit on the beach. Don't do anything other than look for help. Killing yourself because you are financially dysfunctional makes no sense. PM me if you ever need to talk, because I've been there, done the counseling, done the meds, and struggle still with the unbelievably shitty deal that is my current life. I don't feel sorry for you but I do care.

This bonfire just got underway on Skins's island; it's bound to flame up, unless I killed it by posting it here.

Excresence happens.  One accepts, adapts, and moves on.

[Texacon]

You CAN'T do any better?!  You CAN NOT do any better?!!  Because you don't have a ****in' degree?!!!  Give me a break!!!!!!!

When I was 26 I was making over $30.00/hour as a WELDER!  You know how much college I had for that job?

I'm a real estate agent now and have been for almost 9 years.  I make WAY more than $7.70/hour, as a matter of fact I make quite a bit more than I did as a welder ..... you know how much college I have for this job?!

This kind of self serving crap pisses me off so bad.  You want to earn money get a friggin job.

KC

[Chris_]

10-1 that the DUmmies daddy bails its sorry ass out of this one.

Just like the dozens of times before.

[Texacon]

I was 25 when I got my first salaried job, and that was just pure dumb luck.

What the hell is this?  The holy grail for losers?

KC

[jendf]

If he's living in his parents' basement, what kind of bills exactly is he paying for? I doubt he's contributing to rent, utilities or food.

[LC EFA]

Make no payments on a CC over 6 years and see where it gets you dopey. What is more I suspect that you'd maxed it out before "forgetting" to pay for 6 YEARS.

You dropped out of college, after wasting 4 1/2 years there, and are you now pretty much DEFINE the DUmmie financial model.

Clearly you were not a business or science major, I'd suspect something like "Dance Appreciation" would be closer to the truth, yet you even managed to **** that up. Bravo.

Now, living in your parents basement at 26, shitty job, and clearly the wrong attitude to ever redeem yourself, you complain that you won't have enough money to cover your bills after the CC company collects on your ass. Congratulations.

You FAIL.

Just thank whatever higher power you believe in that your parents are good enough to put up with you, 'cause I sure as heck wouldn't.

[mamacags]

Most plumbers are begging for assistants.  A trained plumber makes a ton of money.  It amazes me that people don't think outside of "woe is me".

[SSG Snuggle Bunny]

You CAN'T do any better?!  You CAN NOT do any better?!!  Because you don't have a ****in' degree?!!!  Give me a break!!!!!!!

When I was 26 I was making over $30.00/hour as a WELDER!  You know how much college I had for that job?

...

KC

But...that's like...hard work and stuff.

[Carl]

Don't feel sorry for me.

Funny,that would seem to be the only reason you posted the thing.

First off you have to take control of things.
That means look for a better job and to be honest there are lots that pay more then 7.70 an hour because I have spent time looking lately.

If there aren`t any right there then guess what,you may have to look elsewhere whether you like it or not because you see that is a funny thing about life,it doesn`t owe us everything we wish for.

If the story about the card is true and something tells me they would have dumped it on a collection agency long before 6 years went by then there are credit repair services available.
Find one.

I doubt you will because...well you just seem like a whiny ass that wants pity and a free ride.
Your little screed proves that.

[jtyangel]

Ok, I have been really low, but this guy has his parents to help him out(he lives with them) and he can't make it? Buddy, I had NOBODY to fall back on in my early 20's and it motivated me. I got my job with a brokerage firm and 23 years of age and obtained all my licenses. By 26 I was married and living in a beautiful home in Arizona. I did not have my degree then and 15 years later I'm about to get my first degree. I had a horrible go of it starting from a teen on, but I trudged through. I was all I had so I had to keep it together. You have your parents and you want to lose it?  Seek help, buddy, really..if you are serious, seek help. You aren't the only one who has been there, but you have to understand your situation compared to others is not that bad. Get a second job, just part time. Call the credit card company NOW and work out something with them and start paying from the second job. It will be over before you know it and you'll be debt free. Also look for a better job. Try for employment in things you never thought you would be a fit for..just take chances..that's how I landed where I did. Once you get a better job, they might have tuition assistance and you'll be able to go back and finish school. Most of all...WORK HARD...you never know what opportunities may come your way in the place of employment you do pick up. Also, at 26 and with retail experience, nothing is stopping you from going into management--you don't need a degree to move up in a place initially. With no kids, I'm assuming, you have the time to give to a job like that and you'll make substantially more money then just customer service.

Another success story of someone who degreed later in life is my dad. He worked for many years supporting his family in avionics. Finished his Bachelors first at about my age now(38) and went on to finish his Master's about 3 years later. He went on to teach at college level and work in a sensitive area in gov in this original field of speciality. He's done just fine, very well in fact and wasn't doing too shabby when we were kids either without the degree.

[MrsSmith]

You CAN'T do any better?!  You CAN NOT do any better?!!  Because you don't have a ******' degree?!!!  Give me a break!!!!!!!

When I was 26 I was making over $30.00/hour as a WELDER!  You know how much college I had for that job?

...

KC

But...that's like...hard work and stuff.

And he'd get all dirty.   

[LC EFA]

You CAN'T do any better?!  You CAN NOT do any better?!!  Because you don't have a ******' degree?!!!  Give me a break!!!!!!!

When I was 26 I was making over $30.00/hour as a WELDER!  You know how much college I had for that job?

...

KC

But...that's like...hard work and stuff.

And he'd get all dirty.   

And SWEATY ... that's just so ...ICKY...

[dutch508]

Ok, I have been really low, but this guy has his parents to help him out(he lives with them) and he can't make it? Buddy, I had NOBODY to fall back on in my early 20's and it motivated me. I got my job with a brokerage firm and 23 years of age and obtained all my licenses. By 26 I was married and living in a beautiful home in Arizona. I did not have my degree then and 15 years later I'm about to get my first degree. I had a horrible go of it starting from a teen on, but I trudged through. I was all I had so I had to keep it together. You have your parents and you want to lose it?  Seek help, buddy, really..if you are serious, seek help. You aren't the only one who has been there, but you have to understand your situation compared to others is not that bad. Get a second job, just part time. Call the credit card company NOW and work out something with them and start paying from the second job. It will be over before you know it and you'll be debt free. Also look for a better job. Try for employment in things you never thought you would be a fit for..just take chances..that's how I landed where I did. Once you get a better job, they might have tuition assistance and you'll be able to go back and finish school. Most of all...WORK HARD...you never know what opportunities may come your way in the place of employment you do pick up. Also, at 26 and with retail experience, nothing is stopping you from going into management--you don't need a degree to move up in a place initially. With no kids, I'm assuming, you have the time to give to a job like that and you'll make substantially more money then just customer service.

Another success story of someone who degreed later in life is my dad. He worked for many years supporting his family in avionics. Finished his Bachelors first at about my age now(38) and went on to finish his Master's about 3 years later. He went on to teach at college level and work in a sensitive area in gov in this original field of speciality. He's done just fine, very well in fact and wasn't doing too shabby when we were kids either without the degree.

Whiny *****.

[jtyangel]

Ok, I have been really low, but this guy has his parents to help him out(he lives with them) and he can't make it? Buddy, I had NOBODY to fall back on in my early 20's and it motivated me. I got my job with a brokerage firm and 23 years of age and obtained all my licenses. By 26 I was married and living in a beautiful home in Arizona. I did not have my degree then and 15 years later I'm about to get my first degree. I had a horrible go of it starting from a teen on, but I trudged through. I was all I had so I had to keep it together. You have your parents and you want to lose it?  Seek help, buddy, really..if you are serious, seek help. You aren't the only one who has been there, but you have to understand your situation compared to others is not that bad. Get a second job, just part time. Call the credit card company NOW and work out something with them and start paying from the second job. It will be over before you know it and you'll be debt free. Also look for a better job. Try for employment in things you never thought you would be a fit for..just take chances..that's how I landed where I did. Once you get a better job, they might have tuition assistance and you'll be able to go back and finish school. Most of all...WORK HARD...you never know what opportunities may come your way in the place of employment you do pick up. Also, at 26 and with retail experience, nothing is stopping you from going into management--you don't need a degree to move up in a place initially. With no kids, I'm assuming, you have the time to give to a job like that and you'll make substantially more money then just customer service.

Another success story of someone who degreed later in life is my dad. He worked for many years supporting his family in avionics. Finished his Bachelors first at about my age now(38) and went on to finish his Master's about 3 years later. He went on to teach at college level and work in a sensitive area in gov in this original field of speciality. He's done just fine, very well in fact and wasn't doing too shabby when we were kids either without the degree.

Whiny *****.

Huh? What did I do? LOL

[DixieBelle]

Sounds like the moldy one should read this - http://www.statesman.com/metro/content/shared/money/stories/clark/0707/080215money.html

[Bondai]

I think the only way it'll get better is when I end it.

Just do it then and quit whining about it on DU.....frigging loser...

[Vagabond]

You CAN'T do any better?!  You CAN NOT do any better?!!  Because you don't have a ******' degree?!!!  Give me a break!!!!!!!

When I was 26 I was making over $30.00/hour as a WELDER!  You know how much college I had for that job?

I'm a real estate agent now and have been for almost 9 years.  I make WAY more than $7.70/hour, as a matter of fact I make quite a bit more than I did as a welder ..... you know how much college I have for this job?!

This kind of self serving crap pisses me off so bad.  You want to earn money get a friggin job.

KC

Ok, I have been really low, but this guy has his parents to help him out(he lives with them) and he can't make it? Buddy, I had NOBODY to fall back on in my early 20's and it motivated me. I got my job with a brokerage firm and 23 years of age and obtained all my licenses. By 26 I was married and living in a beautiful home in Arizona. I did not have my degree then and 15 years later I'm about to get my first degree. I had a horrible go of it starting from a teen on, but I trudged through. I was all I had so I had to keep it together. You have your parents and you want to lose it?  Seek help, buddy, really..if you are serious, seek help. You aren't the only one who has been there, but you have to understand your situation compared to others is not that bad. Get a second job, just part time. Call the credit card company NOW and work out something with them and start paying from the second job. It will be over before you know it and you'll be debt free. Also look for a better job. Try for employment in things you never thought you would be a fit for..just take chances..that's how I landed where I did. Once you get a better job, they might have tuition assistance and you'll be able to go back and finish school. Most of all...WORK HARD...you never know what opportunities may come your way in the place of employment you do pick up. Also, at 26 and with retail experience, nothing is stopping you from going into management--you don't need a degree to move up in a place initially. With no kids, I'm assuming, you have the time to give to a job like that and you'll make substantially more money then just customer service.

Another success story of someone who degreed later in life is my dad. He worked for many years supporting his family in avionics. Finished his Bachelors first at about my age now(38) and went on to finish his Master's about 3 years later. He went on to teach at college level and work in a sensitive area in gov in this original field of speciality. He's done just fine, very well in fact and wasn't doing too shabby when we were kids either without the degree.

What you see here is the difference between conservatives and many liberals in our approach to life.  Liberals won't take any job they feel is "beneath them", in this case I would lay money the primitives parents made him get a job.  Liberals seem to view any job that is hard or dirty or dangerous as below them.

Conservatives want to work.  Whatever it is, if it pays the bills we'll do it, and do the best we can at it.  Hell, I've done lawncare, cutdown trees, cleared land, dug trenches, installed sprinkler systems, hung drywall, roofed houses, and worked on cars when I needed money.  All of it being to varying degrees dirty, dangerous, and hard.  I'll bet most conservatives are pretty close to the same.

[Texacon]

Sounds like the moldy one should read this - http://www.statesman.com/metro/content/shared/money/stories/clark/0707/080215money.html

That was an interesting article.

KC

[Carl]

You CAN'T do any better?!  You CAN NOT do any better?!!  Because you don't have a ******' degree?!!!  Give me a break!!!!!!!

When I was 26 I was making over $30.00/hour as a WELDER!  You know how much college I had for that job?

I'm a real estate agent now and have been for almost 9 years.  I make WAY more than $7.70/hour, as a matter of fact I make quite a bit more than I did as a welder ..... you know how much college I have for this job?!

This kind of self serving crap pisses me off so bad.  You want to earn money get a friggin job.

KC

Ok, I have been really low, but this guy has his parents to help him out(he lives with them) and he can't make it? Buddy, I had NOBODY to fall back on in my early 20's and it motivated me. I got my job with a brokerage firm and 23 years of age and obtained all my licenses. By 26 I was married and living in a beautiful home in Arizona. I did not have my degree then and 15 years later I'm about to get my first degree. I had a horrible go of it starting from a teen on, but I trudged through. I was all I had so I had to keep it together. You have your parents and you want to lose it?  Seek help, buddy, really..if you are serious, seek help. You aren't the only one who has been there, but you have to understand your situation compared to others is not that bad. Get a second job, just part time. Call the credit card company NOW and work out something with them and start paying from the second job. It will be over before you know it and you'll be debt free. Also look for a better job. Try for employment in things you never thought you would be a fit for..just take chances..that's how I landed where I did. Once you get a better job, they might have tuition assistance and you'll be able to go back and finish school. Most of all...WORK HARD...you never know what opportunities may come your way in the place of employment you do pick up. Also, at 26 and with retail experience, nothing is stopping you from going into management--you don't need a degree to move up in a place initially. With no kids, I'm assuming, you have the time to give to a job like that and you'll make substantially more money then just customer service.

Another success story of someone who degreed later in life is my dad. He worked for many years supporting his family in avionics. Finished his Bachelors first at about my age now(38) and went on to finish his Master's about 3 years later. He went on to teach at college level and work in a sensitive area in gov in this original field of speciality. He's done just fine, very well in fact and wasn't doing too shabby when we were kids either without the degree.

What you see here is the difference between conservatives and many liberals in our approach to life.  Liberals won't take any job they feel is "beneath them", in this case I would lay money the primitives parents made him get a job.  Liberals seem to view any job that is hard or dirty or dangerous as below them.

Conservatives want to work.  Whatever it is, if it pays the bills we'll do it, and do the best we can at it.  Hell, I've done lawncare, cutdown trees, cleared land, dug trenches, installed sprinkler systems, hung drywall, roofed houses, and worked on cars when I needed money.  All of it being to varying degrees dirty, dangerous, and hard.  I'll bet most conservatives are pretty close to the same.

Exactly,all I have is a high school diploma and have done infinitely better then this person with 4 years of college.

Life is what you make of it and we all have down moments,we all feel sorry for ourselves now and then,it is called being human.

Conservatives go through it and go beyond all the while learning lifes lessons.

DUmmies just whine.

[BlueStateSaint]

It's been my observation that, having been in a field where there were a lot of highly educated people (when I used to work in a lab), that as knowledge trickles in one ear, something else floods out the other ear, at a velocity that most big-city fire departments would be proud to have in their fire hoses.  That thing is common sense.  Common sense is the least common commodity in the world.

[Carl]

It's been my observation that, having been in a field where there were a lot of highly educated people (when I used to work in a lab), that as knowledge trickles in one ear, something else floods out the other ear, at a velocity that most big-city fire departments would be proud to have in their fire hoses.  That thing is common sense.  Common sense is the least common commodity in the world.

Bingo!

[Tucker]

Fox Mulder  Donating Member  (1000+ posts) Fri Aug-15-08 06:56 PM
Original message

I just want to kill myself.
   
My life is a mess. I (actually, my dad was, for me) served a summons today for a credit card from six years ago that I haven't paid. It was a credit card with an $800 credit limit, and now I supposedly owe $2,300 because of interest and late fees. I make $7.70/hr. I can't afford to pay anything. They'll end up garnishing my wages. So then I won't be able to pay other bills.

Not only that, I'm 26 years old, living in my parent's basement. I went to college for 4 1/2 years, never got my degree, and I can't afford to go back. I can't do better than a retail job.

This depression is getting harder to deal with every day. My life isn't even worth living anymore. People always say it'll get better. It hasn't gotten any better. It's only been getting worse. I think the only way it'll get better is when I end it. I'll be free from the pain, the agony, the anxiety. I don't want to deal with this shit anymore.

Don't feel sorry for me.

I call bullshit. It took 6 years of non payment before the CC company took any action? I don't think so.

[DumbAss Tanker]

Fox Mulder  Donating Member  (1000+ posts) Fri Aug-15-08 06:56 PM
Original message

I just want to kill myself.
   
My life is a mess. I (actually, my dad was, for me) served a summons today for a credit card from six years ago that I haven't paid. It was a credit card with an $800 credit limit, and now I supposedly owe $2,300 because of interest and late fees. I make $7.70/hr. I can't afford to pay anything. They'll end up garnishing my wages. So then I won't be able to pay other bills.

Not only that, I'm 26 years old, living in my parent's basement. I went to college for 4 1/2 years, never got my degree, and I can't afford to go back. I can't do better than a retail job.

This depression is getting harder to deal with every day. My life isn't even worth living anymore. People always say it'll get better. It hasn't gotten any better. It's only been getting worse. I think the only way it'll get better is when I end it. I'll be free from the pain, the agony, the anxiety. I don't want to deal with this shit anymore.

Don't feel sorry for me.

I call bullshit. It took 6 years of non payment before the CC company took any action? I don't think so.

I dunno, considering it started as an under-$1000 debt, it probably got discounted off several times and set to a low priority due to the amount, on top of that the loser seems to have had no address or phone number of his own for a good while...plus he probably blew off any letters from the collectors over the years and is omitting that detail, so ultimately whoever is holding it now had to either sue him or let go of it due to statute of limitations issues (six years being it for most consumer debt).

And twenty-six is plenty young enough to enlist!     Great way to be able to finish that degree and have a steady job for three or four years, even learn a trade if you want instead of doing the much-more-fun combat arms stuff. 

[BannedFromDU]

I call bullshit. It took 6 years of non payment before the CC company took any action? I don't think so.

     There is more to the story. First of all, this idiot is not being sued by an issuer. He's probablt being sued by someone who bought the debt. There are few buyers that will pursue litigation if the debt is that old, and in fact in many states the statute of limitations for suit would have expired...


UNLESS

 
     the guy made a payment at some point, which would have started the statute clock all over again.


IN ANY CASE

   
     SOMEONE tried to collect on the debt in the last 6 years. Anyone who can't deal with an $800 debt over a period of six years NEEDS to be sued in order to recover the amount owed, plus interest. If the idiot is 26, they were no younger than 19 when the debt was incurred.  Care to guess what the idiot DID have $800 for in the interim? I'm sure there were plenty of things.

     I have no complaint with anyone who, at age 26, does not want to work at a job that pays more than $8 an hour. However, the price of that freedom is, among other things, NO CREDITWORTHINESS. Also, I am inclined to discount 100% the political opinions of a person who still lives with their mommy and daddy, as much of politics has to do with the allocation of (my) scarce financial resources, for which I work.

     I don't think the dummy should kill itself, but it should run along and do things most other children do: wait for the ice cream truck, play videogames, watch TV, and so forth. Idiot.

[Chris_]

Exactly,all I have is a high school diploma and have done infinitely better then this person with 4 years of college.

Life is what you make of it and we all have down moments,we all feel sorry for ourselves now and then,it is called being human.

Conservatives go through it and go beyond all the while learning lifes lessons.

DUmmies just whine.

Many (most?) Conservatives have college degrees (I do).  The difference is we get degrees in Finance, Medicine, Science, etc. -- things that will lead to well-paying and satisfying jobs.  DUmmies go after degrees in Womyn's Studies, Cinema Appreciation, etc. -- things that will lead to nothing but a couch in Mommy's basement and em[ty-pocketed smugness.