April is here

Well here it is April 1st and I am home from work with an ear ache. What a way to start the month.

Well it gets better and better this month – I don’t really want to add this here but I will – we are in debt, I am not talking about a little bit but a lot. It seems that my financial indiscretions that accured before I became a member of the church have come back to haunt me. What I am talking about is credit card debt or should I say lack of paying credit card debt. There have been a few credit cards in years past that I haven’t paid for, for one reason or another, the one that started all of this was a capital one credit card that got charged on little by little until it was about 5500.00 this was back in 2004-2005- this was in my wifes name even though I was the one using it. Well my wife broke her ankle and I was unable to keep up with it due to other bills – even though I was always on time with my payment they would not work with us and to tell the truth I just stopped paying on it after they got rude on the phone. Well jump ahead to now and we just got served papers that they have filed a judgement against us for 16,000. I am sorry but this is just not right- I can see paying my debts but how did it get to 16,000. I have to admit also though that there are couple of other bad debts also – but none quite like that. I should also mention that currently we are holding 9 open credit cards that are up to date on payments but are maxed out – I am not sure really how this starts other than it happens slowly over time and next thing you know is that you are so over your head that you don’t know what to do. I know what the church views are on credit cards and I agree – but this happened before. Not knowing what to do we went to the bishop and he advised credit counseling – we have submitted the papers ( all of our debt and income) on saturday online and now are waiting to hear back to setup an appointment.

I have to keep the faith and trust in the lord that he will help guide us and see us though this – I wish the baptism could have wiped this slate clean also – LOL