It was an exciting day.

I was just preparing to leave my apartment to meet a friend at the bus stop and direct him to my apartment, when a reporter from the Citizen-Times arrived to do an interview and take pictures (as arranged, but forgotten about).  While she was here, a county sheriff knocked on my door and served me with a summons on a civil action taken by one of my creditors.  Being thusly upset, my mind going in three directions, the reporter agreed to drive me to the bus stop and pick up my friend and return us to my apartment, getting what she needed for her interview in the offing.  I have just completed writing my response to the summons and preparing it for mailing (fortunately it did not call for a court appearance, merely a response).

It does not make sense.  Yes, I incurred the debt.  Yes, I had been making payments on all my debts for over 9 years without missing a payment.  I wrote each of the creditors that I could no longer continue payments on that I would be suspending their payments until I got the other debts under control — and they were each informed that I am on SSDI Disability.  Unless they have changed the laws recently, they cannot touch my SSDI check, and I certainly don’t have enough property to make good on the (~$4,500) debt.  I have been updating them each about every other month.  This may be actionable, but there is no remedy allowed by law.

I can’t file bankruptcy.  One of the debts I am getting paid off (final payment in September) is a Credit Union loan co-signed by my mother.  That would not be covered in a bankruptcy, and would distress my mother, which I certainly don’t need.  After that gets paid off, I would be very happy to discuss terms on getting the four creditors on hold taken care of.

Ah well.  You probably didn’t need to know this.  But it definitely has impacted my centeredness, although I’m fine now that I’ve taken care of everything.

Hugs,
Me