Debt Settlement Breeds the Un-dead

If you are new to the blog, click HERE to start at the beginning of my story.
POST #25
It was Monday 12/28.
Like so many days during the past 2 weeks, I woke up and said to myself, “This is the day!!!!”
I hit the phone, called the rep and was ready to cut a deal. I had prepared for this day in a zillion different ways – not the least of which was borrowing money from my retirement account.
Everyone says to NEVER EVER touch your retirement account. Between taxes and early withdrawal fees, you can get killed. This is true. But in my case, a killer settlement on $100K would far out weigh the downside of pulling from retirement. It was a good decision both financially and psychologically. This may not be true for most people, but I knew it to be true for me.
Back to the phone call……
I dialed the number and sure enough, got the rep on the phone…..soooooo close.
Thankfully, he remembered me and my case.

Simulated view of a black hole in front of the...
Image via Wikipedia

Unfortunately, my account was still in the collections black hole I call:
DEBT SETTLEMENT PURGATORY.
I really did feel like one of the undead. My CRN coach had prepared me in so many ways.

  • Be patient.

  • Stay focused.

  • Keep consistent.

But never did she mention that I would be the caretaker for a zombie account roaming the debt world in search of a home. At this point, hell, bankruptcy, seemed like it would be a relief. At least I would know where I was!
I just wanted these accounts to be killed. I actually had empathy for the zombies from those cult films.

A participant of a
Image via Wikipedia

The rep told me to call back the next day.

December 29, 2009

………..Still a zombie.
….and the next day…..still no luck. In fact, I was told my account was frozen. It would definitely not be released to the Recovery Department until January 1st or 2nd of 2010.

Somebody kill me!!!!!!!!!

It was December 30, 2009. If I was to benefit from the timing of the last day of the last month of the year…..I had one more day to do it.
I prayed to the zombies of purgatory to take pity on me. Delivery me from this fire!
Just like a good horror film, we’ll leave this post on a cliff-hanger.
Stay tuned. Stay afloat. Wealth and freedom are in your future.
Jonathan

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