I'm trying to stop my brain from spinning-- or at least slow it down enough to collect my thoughts and write down all the thoughts I have right now.
Mr Singh called today. I dodged his calls last month. I just didn't feel like dealing. Once in awhile I need to take a break from the debt calls. Even when they're coming from my good buddy Mr Singh. Around 1pm today, the house phone rang with an 866 number. I had a feeling it was Mr Singh, so I let it go. Then just a few seconds later, my cell rang. Wow, he really means it this month! Normally he would wait a little while, try again, and then get around to my cell. But today it was seconds later. I figured I'd just deal with it and get it over with for the next 30 days.
When I answered the phone, he tells me that NCO financial is ending their partnership with AMEX, and that he was moving on next month as well. He is trying to close up as many Amex accounts as he could, and his manager told him to look through his files and find clients who have no late payments, and have complied with all payment agreements. Which brought me to mind. I never missed a payment, and was always ontime yadda yadda. My current balance with NCO, from amex is just over $31,000. Since they are breaking ties with them, they are willing to negotiate my balance down to pay just $8000 if I can pay them within about a weeks time. WHAAAAAT? Are you serious??? Yes, he is serious.
I told Mr Singh that I need to make some phone calls and I would call him back in about an hour. So I talked to my Dad and my sisters and the company that handles my 401k from my last job. My parents said that they could lend me $4000, but that was all they had. BOTH of my sisters and their husbands offered to lend me the other half! God bless my family. They didn't even have to think about it. Both my sisters immediately called their husbands, and both of my brother inlaws agreed to the loans, no questions asked. If I have been feeling sorry for myself and lonely and unloved lately, today has snapped me out of that. I was so moved that everyone was so quick to come to my aid. No one in my family is rich by any stretch. My sisters husband's work hard at good honest jobs to support their families. They certainly don't have $4000 just laying around to throw at anything. But they were all willing to move things around and hand it over to me at the bat of an eye. I am so grateful.
So I called my 401k company and had them prepare paperwork to mail out to me next week so I could pay everyone back asap. I never bothered thinking about using my 401k for my debt in the past because it was such a small amount of money compared to the huge sum of money I had to pay. I thought I might as well leave it alone in case of emergency.. And I'm glad I did! If I had closed that account in the past to clear out just some small part of the debt, I would not have been able to work out the deal that I did today.
I have a whole new outlook on life today. At this time last night, I felt nothing but doom and gloom for my life. My debt was so high and out of control that I figured I would stay in my current situation for years and years before I could even start to balance out and move into the positive. I thought hypothetically, if I were to meet a guy I was interested, it was an automatic no-go because what guy would ever want to take on a single mom with insane debt and no job.
Two days ago the manager at the Sheraton asked me to email him my resume because they're looking for a part time person to come in for subbing and fill ins. And today Mr Singh rocks my world.
Good things are happening. Good things are happening.
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