Coming clean in October
I’ve done it. I’ve settled my overdue bills from different financial institutions. I was waiting for the right timing. When our phone rings, I’d normally ignore it thinking that it would be one of those collections agents again. But this morning, I answered the phone and a collections agent was looking for me. Instead of denying my identity, I listened to what he has to say. I was actually disappointed. His voice sounded really like a local and he doesn’t sound like coming from a Law Office or a professional (I have been receiving demand letters from them). Then I knew I was in his bait. There were a couple of arguments here and there but in the end, I budged in. I realized I shouldn’t be walking away from my responsibilities and I thought that this can’t go on forever. So we came to a settlement. Am still not convinced though about the whole talk. I could have walked away and turned a deaf ear on our conversation. But I didn’t.
Then soon, I found myself grabbing my purse and started finding my other credit card. Then I tried to contact the other credit company I owe money for the last 2 months. We also came to a settlement. Then lastly, I called the other account where I have overdue bills. The talk with the last one was really smooth and I liked it. Of all the three, they had the best customer service. So now, I arranged to send payments for 3,625 and 5,500 for 2 of the credit card companies. I have yet to callback the other one to request for an amnesty program with them. I just need to find myself a co-maker for this.
After the grueling hours on the phone, I prepared my stuff and headed to work. I dropped by the bank to pay the debts I owe. I lost 14,525 to those credit card companies today. I even had to borrow 1k from my mom. But at the end of the day, I’m still thankful that I settled my debts. I tried computing my monthly expenses from hereon and without the monthly dues of the last credit card that I will be settling next month, the total already amounted to 19k. I have no idea how and where I’ll get the money for the last card since I think it will be somewhere around 9k. I’m even going to borrow 4k from my mom again by the 5th to pay off a loan I made. tsk tsk tsk
No more ignoring of the phones from now on. At least my brother can sleep peacefully knowing that no unlisted number will call him. I have yet to apologize to him for the trouble I caused with all those unsolicited calls. He has my old phone number, which the card company have on their records. I just hope I can settle all of these bills ASAP. I am waiting for the day to come where I will enjoy my earnings and where I can start saving money. I’m still waiting for a miracle to happen so that a huge amount of money would fall from the sky to pay off my debts. Until that time comes, I’ll be patiently waiting…
Will start October with a clean slate…
Related posts:
