pay off all my debts

Why does it seem that any progress I make on this goal is cancelled out by something else? Try as I have been, I now have a $1000 physical therapy bill to pay for.

They are the slime of the earth. So greasy, so rude. They couldn’t give a damn about you or your situation. And honestly I can’t blame them. It takes a certain kind of person to be a debt collecter, otherwise they wouldn’t last in the business.

But what I really hate is when I’m truly making an effort, and seem to prefer screwing me over.

There is one debt collector handling my account for Corporate Receivables who is just a shitty person. When I first started dealing with him, about six months ago, I told him that I wanted to start a payment plan, that I was ready to tackle this debt.

He told me that unless I could pay the debt in full that it was being forwarded to the company’s lawyer. I was speechless, and said, “I can’t pay it all to you, but I’m on the phone with you and offering to at least pay it off in six months. Do you even care?”

No, he didn’t. But he put me on a payment plan anyway. He told me that at any time I could pay half of it in a lump sum and call the debt good. Well, I couldn’t afford that at the time, and in the months since I’ve been making payments.

I called him when I moved to Japan, to see if they would bill me internationally. He told me dryly that they couldn’t, then asked me annoyedly why I had moved to a different company. I thought about telling him that I had decided to ditch my debt, but I was kindly calling all my creditors in advance to tip them off.

Last week I called him again, this time to confirm my closing balance, and to see if I could pay half the balance of what I owed as he had once told me I could. It wouldn’t save me much, but it was something that could go toward another debt.

Ugh. The fucker was so rude he wouldn’t even calculate the end amount for me. I had to do it myself, and then ask him to verify it.

But the debt is paid, and I will hopefully never have to talk to James from Corporate Receivables ever again. Amen.

I’m in Japan, working my ass off. Do I pay off my debt, or do I travel around Asia????

I spent much of today on the phone with creditors collecting information on how much money I owe everybody. As of today I owe a total of $42,324.71. I sat down and typed out a list of creditors, contact info, and the amount owed, with asterisks by debts I was currently making payments on. It’s scary looking.

But though the debt looks intimidating, it feels nice to have everything in order, in front of me. For more than a year I’ve avoided opening hospital bills, knowing that I couldn’t pay them. Today I finally overcame this, and found that I owe a little over $5,000. Still a lot, but better to know. The unknown creates fear.

Step 1 completed? Step 2? Win the lotto.

What I’d really like is to get away with never paying another cent to these bloodsucking vampires.

But…

Yeah, it’d be nice to not have my debt hanging over my head.