Comments on: I’ve Thought About Killing Myself to Get Out of Debt. – Doug http://getoutofdebt.org/5368/ive-thought-about-killing-myself-to-get-out-of-debt-doug Free debt help and debt advice on how to get out of debt, getting out of debt consolidation scams, and inside information on the debt relief and debt help industry. Fri, 25 May 2012 02:12:00 +0000 hourly 1 http://wordpress.org/?v=3.3.2 By: Louie D http://getoutofdebt.org/5368/ive-thought-about-killing-myself-to-get-out-of-debt-doug#comment-92621 Louie D Mon, 09 Jan 2012 22:46:00 +0000 http://getoutofdebt.org/?p=5368#comment-92621 Hate to say it, but I too have been seriously contemplating the last case scenario and just offing myself. I'm just kind of scared to go through with the act. Kind of hoping for the fall asleep, never wake up thing. We've become disposable commodities, expendable tools for Big Brother to exploit and there doesn't seem to be any hope on the horizon. At least not in my world. Hope things have panned out better for you Doug. Hate to say it, but I too have been seriously contemplating the last case scenario and just offing myself. I’m just kind of scared to go through with the act. Kind of hoping for the fall asleep, never wake up thing. We’ve become disposable commodities, expendable tools for Big Brother to exploit and there doesn’t seem to be any hope on the horizon. At least not in my world. Hope things have panned out better for you Doug.

]]> By: Louie D http://getoutofdebt.org/5368/ive-thought-about-killing-myself-to-get-out-of-debt-doug#comment-92622 Louie D Mon, 09 Jan 2012 22:46:00 +0000 http://getoutofdebt.org/?p=5368#comment-92622 Hate to say it, but I too have been seriously contemplating the last case scenario and just offing myself. I'm just kind of scared to go through with the act. Kind of hoping for the fall asleep, never wake up thing. We've become disposable commodities, expendable tools for Big Brother to exploit and there doesn't seem to be any hope on the horizon. At least not in my world. Hope things have panned out better for you Doug. Hate to say it, but I too have been seriously contemplating the last case scenario and just offing myself. I’m just kind of scared to go through with the act. Kind of hoping for the fall asleep, never wake up thing. We’ve become disposable commodities, expendable tools for Big Brother to exploit and there doesn’t seem to be any hope on the horizon. At least not in my world. Hope things have panned out better for you Doug.

]]> By: Rob http://getoutofdebt.org/5368/ive-thought-about-killing-myself-to-get-out-of-debt-doug#comment-1825 Rob Tue, 24 Feb 2009 23:25:33 +0000 http://getoutofdebt.org/?p=5368#comment-1825 Dear Megan I would never feel embarassed about bankruptcy. I certainly wouldn't feel any obligation to some bank. I can understand not wanting to ruin your credit, but to hell with the banks. Those are the guys paying themselves bonuses with government bailout money. Alot of them aren't even owned by Americans. Just worry about how to take care of your family. Is a credit score worth ruining your life for? The idea of living with credit is what gets alot of people into trouble in the first place. I know I screwed myself up with it. Using those cards as an emergency fund. Your life isn't over but you need to change how you do things. You are like millions of other americans. There are ways to get out of debt and start over. Actually, I don't think your situation is as dire as you make it. At least you are both still working. What if you were unemployed? educate yourself and make a plan. Then stick to it. You may have to simplify, but life can still be good. It's all about change and being flexible. Dear Megan
I would never feel embarassed about bankruptcy. I certainly wouldn’t feel any obligation to some bank. I can understand not wanting to ruin your credit, but to hell with the banks. Those are the guys paying themselves bonuses with government bailout money. Alot of them aren’t even owned by Americans. Just worry about how to take care of your family.
Is a credit score worth ruining your life for? The idea of living with credit is what gets alot of people into trouble in the first place. I know I screwed myself up with it. Using those cards as an emergency fund.
Your life isn’t over but you need to change how you do things. You are like millions of other americans.
There are ways to get out of debt and start over. Actually, I don’t think your situation is as dire as you make it. At least you are both still working. What if you were unemployed?
educate yourself and make a plan. Then stick to it. You may have to simplify, but life can still be good. It’s all about change and being flexible.

]]> By: Megan http://getoutofdebt.org/5368/ive-thought-about-killing-myself-to-get-out-of-debt-doug#comment-1821 Megan Tue, 24 Feb 2009 20:33:27 +0000 http://getoutofdebt.org/?p=5368#comment-1821 Thanks for your post, Rob. I'm in a similar situation to Doug, and the myriad pat lists of steps to take haven't humanized my problem as much as you just have. What my husband and I are doing isn't working, we're not enjoying our life and we want to start. We have two great kids and good jobs, we work so hard...it feels like the worst shame ever to say how far in debt we are-- we didn't even buy a house in the inflated lending market, we kept renting and all that. We're still falling behind, our debts have grown as well as our incomes, but not enough to make ends meet. I've been searching all day to see what the worst case scenario is if we just stop paying our credit card bills. It seems like it's just as upsetting and embarrassing as declaring bankruptcy...I have tried to keep up paying at least the minimums every month, but we're getting behind on survival needs-- food, rent, I cringe at the grocery store and worry about having enough for gas money now. I feel like such a failure. I'm smart, intelligent, I have a master's degree...I tried not to buy into the "keeping up with the joneses" and stayed away from the "mcmansions", but I'm still being crushed under this weight. I'm barely sleeping, anxious and depressed (am in treatment for the latter two) but until the monster is slayed, my issues are not going to be resolved. Anyhow, thanks for your post. I too sometimes feel like "just packing up and going." My husband is not so easily convinced! Thanks for your post, Rob. I’m in a similar situation to Doug, and the myriad pat lists of steps to take haven’t humanized my problem as much as you just have. What my husband and I are doing isn’t working, we’re not enjoying our life and we want to start. We have two great kids and good jobs, we work so hard…it feels like the worst shame ever to say how far in debt we are– we didn’t even buy a house in the inflated lending market, we kept renting and all that. We’re still falling behind, our debts have grown as well as our incomes, but not enough to make ends meet. I’ve been searching all day to see what the worst case scenario is if we just stop paying our credit card bills. It seems like it’s just as upsetting and embarrassing as declaring bankruptcy…I have tried to keep up paying at least the minimums every month, but we’re getting behind on survival needs– food, rent, I cringe at the grocery store and worry about having enough for gas money now. I feel like such a failure. I’m smart, intelligent, I have a master’s degree…I tried not to buy into the “keeping up with the joneses” and stayed away from the “mcmansions”, but I’m still being crushed under this weight. I’m barely sleeping, anxious and depressed (am in treatment for the latter two) but until the monster is slayed, my issues are not going to be resolved.

Anyhow, thanks for your post. I too sometimes feel like “just packing up and going.” My husband is not so easily convinced!

]]> By: Rob http://getoutofdebt.org/5368/ive-thought-about-killing-myself-to-get-out-of-debt-doug#comment-1816 Rob Tue, 24 Feb 2009 18:18:20 +0000 http://getoutofdebt.org/?p=5368#comment-1816 I had a friend back in the 80's. He and his family had escaped from Hungary when it was an iron curtain country. They made their way here. They got jobs, but discovered credit cards. They greatly overextended themselves and ended up being bankrupt. They lost their condo and some of their toys. Had to start all over again. Within a year they were getting credit card offers all over again. It didn't take them too long to get back on their feet. The point is, why end your life just because you owe some bank money. By the time this recession/depression is over with their will be millions of people who have bankruptcy on their records. You are not alone. Losing your home is not the end of the world., If you have to live in an apartment, so what. It is better to live with diminished expectations than it is to ruin your health worrying about a building that is probably not holding it's value anyway.Frankly, I hate my house. Sometimes I feel like just packing and going. If you get creative you can find a way to survive. The thing is to realize that what you are doing isn't working and find a way to make a new life. For instance, I was just looking at Rent.com. I don't know where you live, but in Charleston SC I found some nice 2bedrooms for $600/month. I bet when you add up all of the costs of your mortgage, insurance taxes, repairs , on your house it's alot more than that. The less money you are making, the easier it is to replace.That means, the easier it is to move. Really look at what you are doing. Is the house really worth the struggle? As far as the student loans, just send them what you can every month. What are they going to do, kill you? Let them worry about it. I had a friend back in the 80′s. He and his family had escaped from Hungary when it was an iron curtain country. They made their way here. They got jobs, but discovered credit cards. They greatly overextended themselves and ended up being bankrupt. They lost their condo and some of their toys. Had to start all over again. Within a year they were getting credit card offers all over again. It didn’t take them too long to get back on their feet. The point is, why end your life just because you owe some bank money. By the time this recession/depression is over with their will be millions of people who have bankruptcy on their records. You are not alone.
Losing your home is not the end of the world., If you have to live in an apartment, so what. It is better to live with diminished expectations than it is to ruin your health worrying about a building that is probably not holding it’s value anyway.Frankly, I hate my house. Sometimes I feel like just packing and going.
If you get creative you can find a way to survive. The thing is to realize that what you are doing isn’t working and find a way to make a new life.
For instance, I was just looking at Rent.com.
I don’t know where you live, but in Charleston SC I found some nice 2bedrooms for $600/month. I bet when you add up all of the costs of your mortgage, insurance taxes, repairs , on your house it’s alot more than that. The less money you are making, the easier it is to replace.That means, the easier it is to move. Really look at what you are doing. Is the house really worth the struggle?
As far as the student loans, just send them what you can every month. What are they going to do, kill you? Let them worry about it.

]]> By: Steve Rhode http://getoutofdebt.org/5368/ive-thought-about-killing-myself-to-get-out-of-debt-doug#comment-1786 Steve Rhode Mon, 23 Feb 2009 21:27:28 +0000 http://getoutofdebt.org/?p=5368#comment-1786 You said, "...find some way to get these people enough money to restart...". Nice idea but no public funds exist for this. If you know of a place where people could go for free money to start over, please let me know. I think the needed "respite from their debt" is only available in bankruptcy, which I suggest more often than not. Steve You said, “…find some way to get these people enough money to restart…”.

Nice idea but no public funds exist for this. If you know of a place where people could go for free money to start over, please let me know.

I think the needed “respite from their debt” is only available in bankruptcy, which I suggest more often than not.

Steve

]]> By: Steve http://getoutofdebt.org/5368/ive-thought-about-killing-myself-to-get-out-of-debt-doug#comment-1785 Steve Mon, 23 Feb 2009 21:03:29 +0000 http://getoutofdebt.org/?p=5368#comment-1785 You're wrong. The pills treat the symptoms, not the cause. At that point a person could simply pretend like nothing is wrong, while they lose their house, have credit below 400, liens, garnishment, and a host of things to ensure that they will not be out of debt until they reach 80 years old, AND possibly the loss of family, pets, business references, and the like. Death is not an option, simply because you won't know if it worked or not... ...unless you have faith. You really want to help? Stop with the platitudes, and find some way to get these people enough money to restart, because all those wonderful plans out there are only for people who are behind "a little." If you really ARE in a bad place, you will be discarded like yesterday's garbage. After all, you're unnecessary; there's always another person willing to do it more cheaply than you. Most of these people in catastrophic debt are good folk, that simply need respite from their debt. If it takes them 40 years to repay it, be happy with that. What's the point of making a new lower class of dispossessed middles? You’re wrong. The pills treat the symptoms, not the cause. At that point a person could simply pretend like nothing is wrong, while they lose their house, have credit below 400, liens, garnishment, and a host of things to ensure that they will not be out of debt until they reach 80 years old, AND possibly the loss of family, pets, business references, and the like.

Death is not an option, simply because you won’t know if it worked or not…

…unless you have faith.

You really want to help? Stop with the platitudes, and find some way to get these people enough money to restart, because all those wonderful plans out there are only for people who are behind “a little.” If you really ARE in a bad place, you will be discarded like yesterday’s garbage. After all, you’re unnecessary; there’s always another person willing to do it more cheaply than you.

Most of these people in catastrophic debt are good folk, that simply need respite from their debt. If it takes them 40 years to repay it, be happy with that. What’s the point of making a new lower class of dispossessed middles?

]]> By: Mark http://getoutofdebt.org/5368/ive-thought-about-killing-myself-to-get-out-of-debt-doug#comment-1559 Mark Sun, 08 Feb 2009 02:26:02 +0000 http://getoutofdebt.org/?p=5368#comment-1559 Hmmmm...... take a pill and get therapy find a way to resolve the student loan debt. While I am sure your advice is sincere, I think it's misguided. I would suggest to this man to try and start a grassroots effort to force our elected officials to start fairly addressing the student loan matter and advocating for full consumer rights concerning student loans. I think fighting and advocating for your rights as a citizen would be a healthier way than taking a pill to pull yourself out of a funk due to lack of options set up by our elected officials. Essentially don't blame yourself turn that energy into fighting back unfair laws and practices set up by the people that are supposed to represent us. Hmmmm…… take a pill and get therapy find a way to resolve the student loan debt. While I am sure your advice is sincere, I think it’s misguided. I would suggest to this man to try and start a grassroots effort to force our elected officials to start fairly addressing the student loan matter and advocating for full consumer rights concerning student loans. I think fighting and advocating for your rights as a citizen would be a healthier way than taking a pill to pull yourself out of a funk due to lack of options set up by our elected officials. Essentially don’t blame yourself turn that energy into fighting back unfair laws and practices set up by the people that are supposed to represent us.

]]> By: W.C. Varones http://getoutofdebt.org/5368/ive-thought-about-killing-myself-to-get-out-of-debt-doug#comment-1511 W.C. Varones Tue, 27 Jan 2009 11:47:40 +0000 http://getoutofdebt.org/?p=5368#comment-1511 The education industry pushing student loans that can't be discharged in bankruptcy is an outrage. Just Say No to student loans! <abbr><em>W.C. Varoness last blog post..<a href="http://wcvarones.blogspot.com/2009/01/education-scam.html" rel="nofollow">The education scam</a></abbr></em> The education industry pushing student loans that can’t be discharged in bankruptcy is an outrage.

Just Say No to student loans!

W.C. Varoness last blog post..The education scam

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