Comments by "Kimberly C" (@kimberlyc84) on "This just might save your life if you're a senior burdened by debt" video.

  1. We are definitely not alone! After a 21 year tumultuous marriage, I made my Exodus. (Please, no "I should have just left, I'm an Id10t, I'm weak, etc..just save it 🙄). Everything that had been agreed upon, including him selling the marital home and getting all of the vehicles except one etcetera was not adhered to. I had one of the marital cars and it broke down 60 mi from my 3rd attempted rental, with my daughter in it. I have been researching reliable affordable cars on my school clerk salary and I found a 2009 vehicle for under $10,000 with a payment and jumped on it. I then use my little prepaid legal from my job and apply for bankruptcy to get out from under the legal obligation of the home that he was supposed to sell and he would keep all the proceeds from. Instead he let it go into foreclosure and it still had my name attached to it. I excluded my car from the bankruptcy and when I got in front of the hearing officer, he looked at it, flipped the paper over, and asked me where are the rest of my debts.. I said I don't have any. I said I paid my portion of the bills. I said but nothing was in my name except that house and I have to get out from the financial obligation because ex has not paid on it for 4 months and he's not going to. I had worked with NACA for about a year to try and I did succeed in getting the interest rate lowered. But you have to not pay for 3 months, be 3 months behind for their plan to work. So you have to trash your credit for them to seem like they're coming to the rescue. No way. I paid the payments on time and after 9 months I was able to get it reduced from the predatory interest of 10% down to 6%. Hubs still didn't think that was good enough. More abuse followed. So it was time for me to go. The day that bankruptcy discharged, what's the day that the house went up for auction on the courthouse steps. He proceeded to bash me online about me abandoning the situation etc. The day that the house is being sold was the day that I was undergoing a double mastectomy for breast cancer. He had no clue. I had never felt more free, more alive, then when all these situations came to a head. I was also fighting for the $300 a month child support for two children... Total, but $300 for two children...... that's $9/day....38 cents an hour...the price of a an overpriced cup of coffee. I applied for and received an unsecured credit card and put my water bill, $30 on it, ONLY. With this, and the car, I was able to rebuild my credit. All food was through food pantries for three yrs. The bankruptcy gave me such a sense of failure. But when I went back in my journals and I saw the times that when I would deposit money for bills he would take it out and buy things like scuba gear, and go to places without me like clubs, while I'm taking groceries back to the store because he had taken money out and was going to bounce the account, it wasn't anything that was my fault. I utilize free counseling and it took me awhile, but I came to grips with the fact that people are going to do what they're going to do but not everything is my fault. I'm a cookie home-r too, have taken my lunch and breakfast now for the past 32 years, can I have 9 years to full retirement from my elementary school Clerk position.. I will let you know though, if you have grandchildren that go to an elementary school, and you're close enough to eat lunch with them, the teacher bar has some pretty good selections! Can you get a choice of between two entrees, full salad bar, baked potato, or a sweet potato, fruit sides, veggie sides, lemonade, sweet or unsweetened tea all this for $4! It used to be $3 for the past 18 years but inflation...🤔 I let all the grandparents an older relatives know. And they don't have to get a full lunch. Imagine getting a baked potato with all the toppings, a side salad that you fix yourself, and a drink, those count as 40 cents a piece/a la carte! $1.20 for a full meal! They get a chance to visit with their grandchildren, and they get a good filling meal.😊 Just another option to think about. ~Best to all! 🚗☁️☁️
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