- 5 years ago
- Wedding: May 2013 - Canal St Inn
I’ve been saddled with fraudulent debt from a company known for falsifying signatures, hacking accounts, and sending collections for debts that don’t exist. All well and good if I could get a lawyer to contest this debt in court and get it off my record so it no longer effects my credit score. We’ve been attempting to this for a few years now. Last year we were just getting on our feet after FI got a new contract with his job, and we wre gering up to do it. Then FI proposed.
I was extremely excited, but I was worried about the money, one of the most stressful things on the planet, if you ask me. I suggested that we take care of the debt before we got married, because I didn’t want to bring his credit score down along with mine. He brushed it off as something that we would still be able to take care of after the wedding, and he was just so excited to get married and so was I.
Now we’re legally married so I can be on his insurance, planning a big to do in the South, and we can’t afford our apartment and save for the wedding at the same time. So we’ve been looking for a smaller/less expensive place. We applied to one, got rejected, and when we got the letter from the realtor, it said it was because of both of our credit scores. He seems to think his record is tarnished because of a dispute with the cable company that we used in our old apartment, because the old account for the whole building was under his name, and continued to be even after we moved out. The cost of a modem and cable box is really it, a couple hundred dollars.
Mine is closer to $2,500, and counting with interest. It just makes more sense that’s the reason we were rejected. I started to cry, and FI just shrugged it off again, as something we’ll handle down the road. He also said that the comapny we applied with is just a bunch of unimpressible jerks and that it couldn’t be our credit score because we were able to lease the apartment we are in now. That was a year ago, the interest has definitely added to the debt, and we will need to renew it for another 6 months or month to month if possible. But what happens if we can’t find another place because of this? What happens if we try to get the place we already have for another year and we’re rejected again? I feel like I’ve talked to him about this a million times and he just doesn’t take it seriously enough or just doesn’t see that this not only effects me to the point of panic attacks, but that it does bring him down too.
I also have a debt with a hospital because of a UTI I had last year. I couldn’t get to a free clinic in time and had to go to the emergency room I was in so much pain. One CT scan later and I owe $1,600 to them, which I’ve been paying in installments. This month, I’m already overdrawn and can’t pay, which is making this money anxiety so much worse.
Between this and everything else going on with this wedding, AND the holidays going on right now, I just want to stop moving, thinking, feeling, breathing, and all around doing anything for five fucking minutes. 🙁
I’m so mad, and depressed, and exhausted, and frustrated, and I just don’t know what to do anymore.