Hello Mike, I really can identify on many levels with you, I went through the debt thing twice before I finally realized, oh yeah you pay them on time and try and give more then the minimum. Call every now and then and ask them too lower your interest rate, sometimes they will, especially if you have one the several offers that come from the credit card sharks circling out there waiting for a feeding frenzy knowing that we always can't pay. and tell your creditor if you won't lower my credit interest I will transfer to so and so..... I will tell you of a book, that made a HUGE difference. I'm 57 and as I said once when I was younger then you and not very responsible I messed up. Finally got okay again, then got in the credit card circle wat of thinking, oh this is way too easy I will pay this, and then the late fees and pretty soon all your paying is late fees.
Speaking of God, I prayed this last time because my husbands credit, this husband, been married 7 years this time I think. His credit was good so I would buy stuff thru him and his credit kept getting better and better. Finally a someone gave me a chance again, one said yes, and I did get a little excited at first, and got a few more cards then necessary but didn't put much on them, but just asking for a lot of cards in a short period makes your credit score go down..
Anyway I payed off 3 small ones of individual revolving ones, because this guy that wrote the book says why have a Target, or Walmart or any individual card, when you can have one visa or MC that will work and not all of the credit loops and fees for many cards.
The title of the book is Debt Cures by Kevin Trudeau and I was so impressed I learned so much about how alot of the creditors tricks , and fear tactics that these other credit sharks use, and their is a statue of limitations on paying off crediors its different in different states the longest being 6 years I believe. that's it and then they sell off your debt to these credit sharks that send you letters trying to play lets make a deal WRONG.. any way I am finally a responsible person, some times I want to just say forget it, I need 6 teeth implants not for cosmetic, we need teeth to chew food to digest properly.. right now I would settle for 4 implants and special top dentures.
In all of the pictures you see except for 1 I think I have without any dentures the rest I only have top ones in and they don't stay in long. But I'm praying and choosing to believe one of these days will get away to have a smile on my face that is teeth that aren't making me sick.
Also your idea to open up the residential program for mentally ill people is fantastic, its not only a very good way to make a lot of money but if you truly have a heart for those if have been affected by my mental illness, - God Bless You. I have struggled most of my life with it, but I'm able to laugh with myself and most of the time roll with banana peels I'm slipping on while walking in the streets of my mind... Say that 3 times real fast....
Seriously my daughter is bi polar, and in denial, my sister in law is bipolar and does not take meds and almost gone to prison for behavior problems, and my brother has been on meds for over 30 years for the same illness..and works and does pretty will, I hate stigma. for anything.
I think some people just want say, people use mental illness for a excuse for bad behavior, well maybe some. but speaking from my own life, there was nothing fun about being suicidal most of my teens and on up till about 40. no fun at all, people also like to make judgement calls and say well you were being selfish wanting to die, when you had kids, all I can say is, if you have not walked in the shoes and been to that poing of really being that depressed to the point of not wanting to live in a life with its ups and sometimes downs, it is still life.. a person is not being selfish, they really believe the world would be a better place without them... showing love and compassion and tolerance for people who have trouble with their emotions and the struggles in life that others can handle is a gift, and we should all practice giving a little more understanding to people who are fighting agains there own emotions and battles in their own minds.. you never know when you could be one of them... sorry I get on a soap box on this subject to close to home on many levels.
It takes a lot of work and acceptance, of horrible childhoods sometimes to finally just know, that people for the most part are really did the the best they could with what the grew up with and were emulating. love and compassion big things and cost nothing to give.....
I love my adult daughters, but my oldest the one with the problems still thinks I'm horrible because I couldn't emotionally handle raising her or her sister but only a couple of years...
Now she is doing the same thing, only is not dealing with the reality that she needs help, and there's nothing wrong with needing help.
I cant remember but I think I told you that book that helped me so much with the debt problems, that you asked about orringally was DEBT CURES by Kevin Trudeau, beg borrow, due whatever to get the book it will be worth your while, and I don't know him from Adam, but it all the difference..
You are doing way better that you even realize, one, you're a thinker your thinking of welding school, one of my ex's was a welder made good money, it was hard work, and two, your thinking of having the residential home, excellent ideas.
I haven't got them but its good to have 3 good money making skills or ideas that are going to turn over money for you for you, so you always have back ups if one doesnt work it out for some reason.
I have a lot of respect for you, my youngest daughter is 33 and has horrible credit because she just got her first time at having it, and also the school loan problems.. its just growing pains..
Walk with your head high and know your on your way to becoming a citizen who takes care of his own debts, and maybe you can help others some day..
Keep me in your prayers for my dental work which does cause me to be very sick and medi-cal does not cover special dentures and defiantly not implants.
Also I'm having dementia like symptoms, I really hope that passes I kinda like my mind these days....
God bless and the best of luck to you with getting your good credit score back I did. I just haven't got money to pay for maxing out cards even for my teeth :( but I will someday....
Kat