Interest rates

I am finally able to save some money

This imperfect sucker is going to be 60 years old this year. I am finally able to save some money. Who knows where social security will be? After plodding along for over a decade paying ,and paying ,and paying the last straw came when my business went downhill and I was three months behind with Citibank. All that was left of the debt was interest and fees. They sold it to a debt buyer who intimidated me and added their own interst, yet kept me in the dark about that. Almost $2000 later I find out the debt I thought I was paying was only getting larger! I thought interest was only to be charged on money borrowed. I didn’t borrow any from these crooks at that agency! If debt buyers are legally allowed to charge interest, it should ONLY be allowed for the amount they purchased the debt for…

Bankruptcy

The bill collectors have to get paid

Some people obviously think no matter what, the bill collectors have to get paid. One of the books my bankruptcy lawyer gave me to read said that certain things ALWAYS come before the damn bill collector. Those few things include rent, utilities, car payment & insurance, student loan(s), medications and other things that are considered more important than adding to the bill collectors’ commission. I believe under certain circumstances such as your roommates, there should be some slack to allow for one to get back on their feet (if at all possible). Not everyone can live up to Arts idea of perfection when it comes to finances. After all, this is an imperfect world, which is why bankruptcy was invented – for the rest of us imperfect suckers. Also, you can become a vegetarian — that’ll cut the grocery bill in half! I think that some people file bankruptcy just…