I am not sure what has happened in the past

I am not sure what has happened in the past that has made you feel the way that you do. If you would take the time to read the intro to the group you would understand that Deb has not set any specific parameters as to who qualifies to ask questions and who deserves the groups help. Maybe you should take a moment and do just that.

Deb has indicated in the group intro that this community is dedicated to providing you with no nonsense guidance to get out of debt. Offering advice and information regarding debt relief including reviews of commonly used products to help you get out of debt.

Chat with others in your same situation, get tips on saving money, living within your budget, and getting out of debt.

Remove financial stress from your personal relationships and enjoy life.

I asked a question about paying my creditors using the allotment worksheet as outlined by Dave Ramsey. I feel like you blasted me for not giving enough info and that you felt like I was playing games.

You may feel like it’s wasting time and energy but I joined the group, asked for help and received it. End of story. As another poster wrote, we all face different situations and what may seem overwhelming to one may seem trivial to another. I am sorry that my issues don’t meet your standards of overwhelming.

Deb has been gracious and generous with her thoughts as have others on this board. My problems may not seem as critical as the person dealing with the medical issues but they are real and I have to face them each and every day.

Yes I am expecting a large payment. From a divorce that was finalized in 2007. The legal action accelerated in 2013 but as of today, it is still not resolved. My hope is that it will be resolved within two months but if that doesn’t happen I wanted to know how to handle my creditors.

I still have to answer the phone and I still need to make informed decisions.

If you aren’t wanting to chat with others in your same situation, get tips on saving money, living within your budget, and getting out of debt then don’t blame me for wanting to do that. I’ve gotten some great thoughts from people and will contribute when and where I can if I feel like my thoughts might encourage someone.

Like I said, I had some questions because up until recently we’ve kept our heads above water but it won’t last much longer. I am only assuming my legal action will be settled as that is what the attorney assures me but, that’s nothing set in stone. Only an anticipation of when it should settle.

What’s your situation CJ? If you haven’t been where I have then let others who have post in peace. Let them decide for themselves if they are mad or if they wasted their time. I certainly am appreciative for the thoughts and positive posts and already have had some relief of stress as I am able to make some decisions about where to go from here.

Anyway – I apologize to the group at large if I’ve offended anyone. I really do appreciate the feedback and clarification that I’ve received. I don’t know it all but am learning and you’ve helped.

You have presented such an impossible situation

You probably aren’t getting any answers because you have presented such an impossible situation.

You say you and your husband have a combined income of $2,000 per month. That’s minimum wage or below if you are working full time… and surely you must be working full time if you may get a bonus and your husband sometimes gets overtime..

How could you still be making minimum wage if you are old enough to be married?

How could you have qualified for a mortgage if you make so little?

How could you have convinced anyone to loan you any money at all, much less $64,000?

Perhaps others suspect, as I do, that you are playing games.

If you are for real, then more details might prompt more attention to your problem.

The tone was not to be mean, but realistic.

The purpose of the group is to help each other, and wasting time and energy on the wrong problem helps no one.

In fact, it hurts others. It takes away from such problems, for example, as the one being experienced by the member who, with only her own salary, now faces her husband’s life-threatening surgery, large medical bills, and other bills that were taken on when the household had her husband’s income.

Only after other members spend time and energy worring about how to help her, and he spends her time (a considerable amount, I’d guess) writing a long and very thoughtful message about the wrong problem, does she reveal that her entire debt will be wiped out by a large payment she expects in two months.

Anyone had any luck in working w/ your creditors?

I would like to contact each creditor and send each creditor an equal amount and an allotment sheet showing that I am not favoring one creditor over another. Anyone have any luck doing this on your own? I would like to try to do this on my own but wondered if anyone had any experience in that.

A few days ago i was told:

you can’t do it this way… You owe different companies different amounts and each one has to get a percentage comparable with what you owe each company to a total you can afford. Telling them all the percentage break down and what you can afford to give will be acceptable as long as you show clearly how you have calculated your finances to arrive at the amount left to pay the debtors. Yes you can do this on your own…. by the way did you receive my other e-mails as I have not heard anything from you…

Is that correct?