I've been on these boards for a few months and I guess like other people, I have toyed with the idea of bankruptcy for a short time but then tried fighting it and trying to find ways to keep bills paid on time after my divorce. And I did......for awhile. Well, I made it to December and now my hot water heater went out. In years past I wouldn't have thought a thing about it and just went to the local home supply store and bought one maybe with cash or possibly charged it. After my divorce, my cards started getting used more frequently for trips to the grocery store, gas, etc.
I was going to go get a water heater on my GM card today due to the fact I didn't have cash and if I do end up filing, it wasn't a luxury item. Declined. I thought that was odd as I had more than enough credit to get one and I got denied. So I call back and get the automated system and after entering my account number, it says that a temporary hold was placed on my account after and that my credit limit had been lowered to the point of only having $50 left.
This is after Discover pulled the same thing back in August or so when I was sent a notice in the mail that my credit limit had been lowered significantly due to recent activity. When my ex left, I decided to charge a washer/dryer setup and shortly after that, they shut me off.
These are all accounts that have always been paid on time, etc. Never late on anything since I've had bills. I would have never guessed 5yrs ago that today something like a leaking hot water heater would put this big of a dent in my finances because now my only choice is to buy the water heater and be late on some bills. I see this only getting worse and I think I've come to the realization that no matter how much I fight, my finances are a sinking ship and its only going to start sinking faster.
Thanks for listening to me vent. I guess I need to keep reading and learning on here and go see a lawyer soon. I shouldn't have fooled myself into thinking I could handle it and done so earlier this year. Oh, well.......
I was going to go get a water heater on my GM card today due to the fact I didn't have cash and if I do end up filing, it wasn't a luxury item. Declined. I thought that was odd as I had more than enough credit to get one and I got denied. So I call back and get the automated system and after entering my account number, it says that a temporary hold was placed on my account after and that my credit limit had been lowered to the point of only having $50 left.
This is after Discover pulled the same thing back in August or so when I was sent a notice in the mail that my credit limit had been lowered significantly due to recent activity. When my ex left, I decided to charge a washer/dryer setup and shortly after that, they shut me off.
These are all accounts that have always been paid on time, etc. Never late on anything since I've had bills. I would have never guessed 5yrs ago that today something like a leaking hot water heater would put this big of a dent in my finances because now my only choice is to buy the water heater and be late on some bills. I see this only getting worse and I think I've come to the realization that no matter how much I fight, my finances are a sinking ship and its only going to start sinking faster.
Thanks for listening to me vent. I guess I need to keep reading and learning on here and go see a lawyer soon. I shouldn't have fooled myself into thinking I could handle it and done so earlier this year. Oh, well.......
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