Comments on: Credit card calls,anxiety and my husband has finally seen the light! http://www.girlndebt.com/credit-card-callsanxiety-and-my-husband-has-finally-seen-the-light.html Follow me on my journey to get out of this debt mess Tue, 31 Jan 2012 17:25:35 +0000 hourly 1 http://wordpress.org/?v=3.0.1 By: louise http://www.girlndebt.com/credit-card-callsanxiety-and-my-husband-has-finally-seen-the-light.html/comment-page-1#comment-11 louise Fri, 11 Jan 2008 19:57:58 +0000 http://girlndebt.yesdebtfree.org/?p=14#comment-11 it's sounds really stressful! I am glad your hubby is on board, it will really make a difference for you, as jen said, keep records or all the conversations and who said what, I have found that if you ask each caller thier name and how to spell it they smarten up as they realize you are making notes. I did this every time I spoke to someone when I had creditors calling. document everything the other thing I did is get an answering machine so you don't have to answer the phone. Then you can return calls when you feel ready to and have had a chance to think how you want to handle it. don't apologise to creditors either, honestly there is a whole psychology to how they intimidate people... it really p*sses me off@ They are bullying & harrasing you. Report them to a credit watch organization if you can. and refuse to take calls at work. notifyy them in writing that they are harrassing you and you request they stop calling and commicate in writing. what you describe at night are panic attacks, and playing racquetball and getting plenty of physical exercise will help. There is a great little book called Living With It by Bev Aisbett which is fantastic, a reall quick read and accurate for anxiety attacks. Exercise is key, later add abdminal but don't try and learn it while you are anxious, it will not work that way sorry to go on but I read your post and I know what it's like, went throught something similar years ago . I ended up very depressed, just do what you have to do to keep your head above water at the minute, remind yourself in the middle of the night that you ARE taking steps to solve the issue, and it will get bettter :) it’s sounds really stressful! I am glad your hubby is on board, it will really make a difference for you,

as jen said, keep records or all the conversations and who said what, I have found that if you ask each caller thier name and how to spell it they smarten up as they realize you are making notes. I did this every time I spoke to someone when I had creditors calling. document everything

the other thing I did is get an answering machine so you don’t have to answer the phone. Then you can return calls when you feel ready to and have had a chance to think how you want to handle it. don’t apologise to creditors either, honestly there is a whole psychology to how they intimidate people… it really p*sses me off@

They are bullying & harrasing you. Report them to a credit watch organization if you can.

and refuse to take calls at work. notifyy them in writing that they are harrassing you and you request they stop calling and commicate in writing.

what you describe at night are panic attacks, and playing racquetball and getting plenty of physical exercise will help. There is a great little book called Living With It by Bev Aisbett which is fantastic, a reall quick read and accurate for anxiety attacks. Exercise is key, later add abdminal but don’t try and learn it while you are anxious, it will not work that way

sorry to go on but I read your post and I know what it’s like, went throught something similar years ago . I ended up very depressed, just do what you have to do to keep your head above water at the minute, remind yourself in the middle of the night that you ARE taking steps to solve the issue, and it will get bettter :)

]]> By: admin http://www.girlndebt.com/credit-card-callsanxiety-and-my-husband-has-finally-seen-the-light.html/comment-page-1#comment-10 admin Thu, 10 Jan 2008 23:49:56 +0000 http://girlndebt.yesdebtfree.org/?p=14#comment-10 Thanks Jen! I am trying. I really am. What I am telling myself is...if you think it is bad, it will be bad. I figure it is going to be rough for a while-at least the next few months but by the holidays this year-we should be in a lot better position. Now that hubby is on board-I am on here working on his #'s-he has a million little cards...ahhhh. I just doubled my #'s on here! Waddaya gonna do???:) Thanks Jen! I am trying. I really am. What I am telling myself is…if you think it is bad, it will be bad. I figure it is going to be rough for a while-at least the next few months but by the holidays this year-we should be in a lot better position. Now that hubby is on board-I am on here working on his #’s-he has a million little cards…ahhhh. I just doubled my #’s on here! Waddaya gonna do???:)

]]> By: Jen http://www.girlndebt.com/credit-card-callsanxiety-and-my-husband-has-finally-seen-the-light.html/comment-page-1#comment-9 Jen Thu, 10 Jan 2008 04:19:49 +0000 http://girlndebt.yesdebtfree.org/?p=14#comment-9 Hey! Oh I'm so sorry about everything your going through with your husbands check he got and now your overdraft fee's dang, you should get the company to pay the overdraft fee's as well since that company's bounced check caused it. As to the late fee's, interest etc, I just stopped looking at my statements, it's to much. I knew I needed time to get the money together so my recommendation is just to file them away, I made a file folder for each credit card and when statements or letters came I put them in the folder. I also used the top of the folder to write my notes, like dates and who I spoke with etc. This helps greatly. Making one folder for each card helps me stay organized and keep all the calls etc straight. Also - good to hear your husband is on board, both of you working this together I'm sure you'll get there. Do the same for his cards as well, and maybe keep an excel spreadsheet listing each card and the date you stopped paying. I had all my debts listed not just the CC's but each time I pay or settle something I cross it off the list. It's a great visual for me to see accounts getting crossed off and knowing I'm making progress. So don't let it get to you! You need to be healthy, getting sleep and focusing on basic needs first and foremost! Don't let debt cause you that much anxiety! Jen Hey! Oh I’m so sorry about everything your going through with your husbands check he got and now your overdraft fee’s dang, you should get the company to pay the overdraft fee’s as well since that company’s bounced check caused it. As to the late fee’s, interest etc, I just stopped looking at my statements, it’s to much. I knew I needed time to get the money together so my recommendation is just to file them away, I made a file folder for each credit card and when statements or letters came I put them in the folder. I also used the top of the folder to write my notes, like dates and who I spoke with etc. This helps greatly. Making one folder for each card helps me stay organized and keep all the calls etc straight.

Also – good to hear your husband is on board, both of you working this together I’m sure you’ll get there. Do the same for his cards as well, and maybe keep an excel spreadsheet listing each card and the date you stopped paying. I had all my debts listed not just the CC’s but each time I pay or settle something I cross it off the list. It’s a great visual for me to see accounts getting crossed off and knowing I’m making progress.

So don’t let it get to you! You need to be healthy, getting sleep and focusing on basic needs first and foremost! Don’t let debt cause you that much anxiety!

Jen

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