I am a current participant of Morgan Drexen for less than 4 months and to date, I have not had any real concerns. My only problem is that my gas & electric bill has been very large since November and I had to make a huge sacrifice financially. I did ask for payments to be reduced because I had also been hospitalized and my check was reduced. I have yet to bounce back from all of this!
The $185.00 that is being taken from my account (that I agreed to) is financially hurting me. I know companies are getting paid but I am not even living paycheck to paycheck. When I get paid – one check is to pay my rent, one of my car payments and try to buy some food and the other check is to pay you, gas & electric, my other car note and typically pay back people I borrowed from to get to that paycheck. I also have a son and grandson who live with me. My son requires bus fare to and from Cincinnati to his school in Kentucky and money for day care, pampers – medicines (when needed) for my 2 year old grandson.
I really thought that with my income tax refund that I could bounce back soon but this past weekend I discovered that my “ex-daughter in law” claimed my grandson (against the divorce decree) and my application was rejected. After three (3) long phone calls to the IRS, I have submitted my IRS forms via the mail and was told to expect my refund within four (4) to six (6) weeks.
Is there ANY WAY possible to defer the February payment of $185.00 until March? To be honest, I am over drawn right now by $1.00. I could make a payment of $50.00 on the 28th but any effort to retrieve a payment at this time would be in vain.
Based on what you shared I struggle to see how being in a repayment plan with anyone at this time is a smart idea.
Since things are so tight, you absolutely must talk to a local bankruptcy attorney.
You can click here to find a local bankruptcy attorney and talk to them for free about your specific situation. Get the facts and then you can make an informed and educated decision if bankruptcy is right for you.
If $185 is too much for you to pay, the solution is putting you far too close to the edge.
Please post your responses and follow-up messages to me on this in the comments section below.