Originally Posted by restless_heart

Yep same here. We have my brother lives with us (two years now) so he can pay off his debts. With car payments and insurance going skyrocket due to his car accident, that he had to make two car payments if one of his truck was totalled. What can you do about it. This is life. He may hated life, but life doesn't stand still...we got to do what we got to do...he knows I am right, and he will survive just like I did...

After I went through divorce in 2003, I manage to live one day at a time paying off my debts and btwn the house and car payment, I made it all through by myself with no one help. My credit score was very bad, I mean really, really bad...and you will not believe it.....jeeze, I was such a mess!!!! How will I do it all myself? With two children....there is no way out, I will tell ya...All I did was keeping my butt off with my job, from paycheck to paycheck to pay off the freaking bills, even the other bills that were left unpaid for years---yes it does count up to seven years, then again another seven years....nuh huh...I got to do something about it. I have never asked for a single help, not even from my parents or anyone. Not a single loan. Ahhh, I will never forget that. I am a survivor and made through it. If I can do it, so can you...

I did had kept my credit rating up and getting better. No credit cards for three years. I never bothered applying. Then I applied a few just recently, I had no problem getting credit cards because my credit have approved. You are allowed to call credit report to work with them how to approve your credit rating, and call each companies to work with you on how to pay your bills without interests. It does work as long as you kept your promises to pay the bills. Even if you have no job, or your paycheck was getting smaller and smaller, let them know, they will cut down your payment to smaller amount.

Remember this, some will win...and some will lose.