Many folks are only pointing out what has worked for them

Many folks are only pointing out what has worked for them. You want ideas, there it is.

There actually is a letter someone sent to other members about not being able to pay off a debt, You could print it out (customizing it to your own situation)… and why, as well as others saying they (Debt collectors) cannot come after your benefits like disability, welfare and so on.

Getting out of this debt usually involves a visit to the consumer credit counseling places, and such to get some general ideas, even if you don’t “join” their debt relief programs…; then a chat with legal aid to help -possibly- with getting a lawyer to help you in defining your rights and how to fine tune these rights to your situation. Each one of us is in a different place, and what works for one, may not work for me. Same with someoneelse’s tips not working for you etc.

For example, ARE you with any of the temp agencies? Do you accept other types of work, even though you are a teacher and programmer? What other jobs have you applied for? If you have a disability, have you tried to get some benefit, like medical, or a financial stipend?

I for one, really only know you are in the bay area, you mention teaching and programming, but what was your actual job with the boss who laid you off? More actual details and such presented to am advocacy group in your area would be of far more service. We are in debt, and are working (Some of us) and others aren’t.

However, each case being very individual, it doesn’t seem fair you want direct answers without providing much info about your present income…. if any… and who is or could help you there in your family or such.

I have two Masters degrees (one in Mathematics and one in Sports and Fitness Management). For a year after getting the latter I sent our resumes all over the country to get a job in sports administration – no luck there. Meanwhile I had been working for a small data processing firm where I was the sole programmer on two completely different systems. This was the place where there were no benefits. Then I moved on to a class action claims administrator where the guy searching porn worked. During both of these jobs I had to teach math part time at USF to make ends meet and now my only job is the latter where I make only enough to pay my two mortgages.

I will be happy to send my resume to anyone who thinks they can help get me a better job here in the Bay Area.

As far as friends and family are concerned, I’ve tapped my friends for all I dare and my family refuses to help. Neither group does anything about helping me find a job despite my periodic nagging.

The bigger problem is that there isn’t ENOUGH anger

The bigger problem is that there isn’t ENOUGH anger. People in this country should be as outraged at what has taken place as people around the globe have been, but we don’t pay attention here. Most people in the civilized world fear the USA a lot more than Bin Laden. As good Americans, we like to believe that we live in the best country on earth so it’s hard to see the coup that’s taken place for what it is.

We now live in a country that’s governed by corporate and banking interests from around the globe and it makes little difference if we vote for either party. The most I hope for when I vote is gridlock.

I can’t speak for other companies, but we remove people immediately in my company. Sure, we use mailing lists to solicit subscriptions, but without subscribers, we wouldn’t be in business. We do not target all of America, just those who might possibly be interested in our publications.

If not, they let us know, and we quit mailing to them. Also, we NEVER do cold calling of people (thank goodness, I’ve done that and I hated it); we only talk to subscribers whose subscriptions are up for renewal.

I, personally, would rather get a piece of mail that I can throw away, than get somebody on the phone trying to sell me something I don’t need or want.

By the way, we have thousands of subscribers, so “NO ONE” doesn’t apply here.

And as long as you quoting (sort of) the Bible, what about, “In every thing give thanks; for this is the will of God in Christ Jesus concerning you.”

I have a great job, one that I enjoy and one that I’m thankful for. I make no apologies for it. I got it through a temporary/staffing agency. I was hired on a trial basis for 90 days and they liked my work and my attitude well enough to keep me. I don’t plan on being in this job forever, for the time being, I’m very happy with it.

My problem in the last few days is that there HAS NOT been any information about getting out of debt or dealing with the vile debt collectors.

Being underemployed and have someone come on this list to say, “I have a good paying job but I’m still in debt” or “I have a good paying job and I’ve gotten out of debt” is useless to me. If I had a good paying job, the problem would be solved and I’d be gone.

So let’s make a deal, I’ll stop complaining about the woes of the world if people stop sending trite remarks as I’ve indicated above.

I think it’s great that people are getting out of debt. So what how much they make. They are making steps like we all are. Once i pay off my debt you bet i’ll come on here and let the whole world know 🙂 Here is the article – http://www.sptimes.com/2006/07/08/Opinion/Stop_abusive_debt_col.shtml

Neither political party seems to know how to cut or curtail spending

market analysisI have sat here and read a whole lot postings that I think are off topic, so I figured I might as well add a few cents.

It is true that neither political party seems to know how to cut or curtail spending.

But here are a few other facts.

  • 96 percent of all federal tax revenue comes from half of all taxpayers.
  • 53 percent of all federal tax revenue comes from the top 5% of all
    taxpayers.
  • 3.5 percent of all federal tax revenue comes from the bottom 50% of
    all taxpayers.
  • 44 million taxpayers are estimated to owe no federal income tax and will receive a refund for every dollar that was withheld from their paychecks over the past year.

I thought we were all here to encourage and share ways to get out of debt, not have b%^ch session about people who have been successful financially. I would agree that greedy share holders and CEOs have led to less than stellar scruples. To me, the best ad campaign ever was Prilosec. No one knew what that little purple pill did, but everyone was convinced they needed it. We are the ones who get suckered into those ads if we allow them.

A few more intemperate comments.

The only truly fair tax is the Fair Tax being sponsored by Congressman John Linder. If we believe that the rich should pay a larger percentage, then we fall victim to Karl Marx. We also should believe that before we share a pizza with 3 friends, we weigh everyone. The fattest gets the least and the smallest gets the most.

No where in the Constitution of the United States does it say the Federal Government is to be in the welfare business, giving out free medical care, prescriptions, education, etc. If they got out, they could seriously cut the budget and our tax burden.

Anyone who gets back more money from filing their Income Tax than they paid in is getting welfare. My oldest son did not think that way (nor did I when I was his age with a baby) when he got his first return after filing the Earned Income Credit while in college with one child. Now that he is nearing the upper levels financially, he sees things different, so do I.

Including all tax returns that had a positive AGI, an AGI of $130,080 or more in 2003 constituted the nation’s top five percent of earners. To the top one percent, a tax return had to have an AGI of $295,495 2002 when the thresholds were $126,525 and $285,424. However, top incomes in 2003 still did not equal 2000. At the height of the boom and bubble, $313,469 was the threshold to break into the top one percent.

The number of millionaires who inherited their money is far less than those who worked, saved, and made wise choices and we willing to take risks.

That means that 95% of the wage earners made less than 130k. So if my wife & I reach the 130k level, are we evil? Did we steal money? About 30% of my income is taxable pension from serving 23 years in the Armed Forces. I did not finish college until I was 28 and had spent almost 10 years in the service, working my way up from private to sergeant. While in college, I did ROTC, went back in, and served another 12. I worked 3 part-time jobs in college with a wife and 2 small kids, full class load, plus ROTC and Reserve Drill. I taught myself to program in databases, which led me to my current job. That did not prevent me from being almost $20k in unsecured debt, and another $220k in secure debt (house is 190). I do not want to know how to be rich; I want to know how to keep the transmission from falling out of the car 2 months after the last payment and 1 month after the refrigerator quit. I am, at 46 YO with the youngest paying his way through college, going for my Master’s – only because my company will reimburse me at the end of each semester.

All I am saying is that we all have our stories. Most people do not have it easy and have work, scratch, or claw our way out. I spent 4 months unemployed; I was active in community affairs, professional organizations, etc. That is how I landed my job, that and a whole lot of pray and fasting. We need to look to the Lord and ourselves to get out of debt, to use what we have wisely.

Enough preaching.