Nat Booty

There is no stress like financial stress. Many people, myself included, have seen their bills and debts snowball. Suddenly one late payment has piled up into amounts that we can’t even comprehend. For me, it all started with a stupid credit card. Once I got behind on the payments, I saw myself falling behind on my other bills too. In order to pay my credit card bill, I had to cut into the money I needed for my car payment, etc. Then I lost my health insurance and got sick, and it was all downhill from there. It happened so fast!

Unfortunately, I did not realize that I could have resolved my credit card debt and debt from medical bills through a place called NetDebt. NetDebt can help you to manage your (unsecured) debt once and for all!

The main goals of the NetDebt program is to provide you with confidential and easy to understand assistance, to help make your debt manageable, and to end those harassing calls from debt collectors.

NetDebt helps you reduce your debt by negotiating a deal with the creditors. This is called "debt settlement" and it works by lowering the amount of delinquent debts so that you can pay it off completely - or pay off enough to satisfy the creditor. This means you avoid bankruptcy and can set up a reasonable budget for paying monthly payments that are less than your current minimum. You do not have to include all of your accounts in debt settlement. If you do not include all of your accounts, it is not uncommon for creditors to close your account once they see you are in debt settlement.  NetDebt is not able to settle any debts that are secured by property (mortgages, car loans, etc.) or students loans.

NetDebt is a free online resource and you are not charged for using their services. However, there is a retainer (15% of the debts you include in the program) charged by the law firm and a small monthly fee for the service. You do not have to pay in advance - these fees are not due until you complete your enrollment.
When you have numerous debt collectors contacting you, it’s in your best interest to have a lawyer. NetDebt will help to save you legal fees with effective legal representation.  When the debt collectors realize you have legal representation, you will definitely notice that your phone no longer rings nearly as frequently!

This solution is in no way similar to bankruptcy - it is a way to pay off your debt. You may see your credit rating decline briefly, but by decreasing your debt, you an be confident that your credit rating will go up in the long term.

NetDebt is a hassle free way to take control of your finances and finally find some relief. I highly recommend you go check out NetDebt for immediate, confidential, sound advice on debt relief.

Popularity: 7% [?]

It’s 6 am and I still haven’t gone to bed. Today (actually yesterday) I moved back to the town where my college is located, about 3 hours from my parents house. Moving is stressful - packing, planning, unpacking, etc. PLUS, I did not know what my apartment looked like and I still don’t know who my two roommates will be. I was excited though - optimistic, eager to meet new people and start fresh, and bracing myself for the "unknown".

 

Unfortunately, there was not enough preparing in the world that could have braced me for today’s experience. Let me just start by sayin that since I registered for my summer AND fall courses a couple of weeks ago, I’ve had a few setbacks. Since I’m graduating in December, there are certain classes and requirements that MUST be completed by then - and I had my schedule perfect until the Gender Studies department cancelled two of my courses, so I was forced to scramble and try to find an open 300 and 400 level seminar/course to replace them. I managed to find the new courses, barely.

 

Moving day has not gone smoothly either. First of all, I had to vote before we left today. My state allows early voting, so even though I will be in a different county on election day, I don’t have to vote absentee- I can show up at the county clerks office of the county that I’m registered in and vote anytime until May 5th. As usual, I procrastinated until the last minute and the line today was HUGE. While it’s awesome that voter turnout is so high, it is not awesome that I had to wait in line forever.

 

After voting, I ran back to my parents, finished packing and had to say goodbye to my dog. I can’t even type about it because I’m too upset - my dog has to stay with my parents until August, and I’m devastated. I finally got on the road at 4 pm, and my mom came with me (in a separate car). She was nervous for me too, and she wanted to make sure that the apartment didn’t turn out to be a dump or anything, so she insisted on accompanying me, which was nice.  Unfortunately the wind was intense the whole way down, and my little bitty car was all over that damn highway, adding even more stress to my fragile state of mind.

 

Once we got to the apartment, I was pleased to see that it was pretty clean, decent sized, and the location was great! The girl who’s room I’m renting is very sweet. She’s Indian, and returning to India this summer for knee surgery. I love Indian culture: unfortunately I’ve only had Indian food once, when I was 6 years old and I hated it. I’m sure if I tried it now I would like it; but the smell of Indian food does not smell good to me, and that’s exactly what the apartment smells like. Not a big deal or anything, but it’s just the way it smells. Luckily, the apartment is basically fully furnished - unfortunately it’s with furniture that they obtained for free, and you can tell. I’m definitely not above free furniture, or even ugly furniture — I’m just sayin’.

 

I was under the impression that cable tv was included in the utilities or at least that they already had basic cable, even if they asked me to pay additional charges in order to keep it. Not the case. So I have a television and a DVD player for now - which is fine except I lost the DVD remote, and it doesn’t work without one.

 

All of these things aren’t even that bad. After I unloaded all my stuff from the car, my mom started bawling as she was getting ready to return. I love my mom more than anything or anyone, and it’s hard because I know she’ll miss me, and I know I’ll miss her. After she left, my one and only friend in this town came over and we went to Kroger so that I could get some cleaning spray and paper towels (certain parts of the apartment are a little grimy) and also a little bit of wine!

 

We went to his house for awhile, and then I returned to the apartment at about midnight. I was in my room unpackin for about two hours when I went into the kitchen to get a drink. I turned on the light and I saw ROACHES! Everywhere!

 

  I’ve never lived in a house or apartment with cockroaches. I hate bugs. I freaked out and immediately called my mom, sobbing. I went to Kroger and tried to buy every kind of spray/trap/repellant possible. When an employee asked me if I needed help I started bawling again when I asked him what he recommended. It was awful. I felt (and still feel!) so itchy - like there are bugs all over me.

 

After stocking up, I returned to the apartment and woke up the girl I’m subleasing from, even though i knew she was leaving for India at 5:30 am (at this point is was just after 2:30 am).

 

She first stated that she had never seen these bugs in her life, and she didn’t believe me. I asked her to step into the kitchen, and when I turned the light on, of course no roaches came out to play. I told her to wait, and sure enough, about 30 seconds later they came out; they scurried across the counter, floor and cabinets. I then found out that the mysterious 3rd roommate, a lady who is moving out because of personal issues between the 2 of them, complained about bugs back in December. Apparently, the "personal issues" stemmed from this cockroach accusation since neither the landlady nor the other roommate ever saw the bugs. Supposedly the landlady hired an exterminator who also never saw the roaches, but he sprayed anyway.

 

After hearing this story, I made sure that she did, in fact, see all the roaches. She agreed, but still seemed argumentative, as if they weren’t REALLY roaches. She argued with me about spraying the baseboards with RAID, telling me to wait until I spoke with the landlady. I agreed, but only after I killed 3 or 4 roaches and put the carcasses in a little cup to show the landlady as "proof". I also took pictures of roaches with my camera. I went ahead and sprayed my bedroom, because I just can’t bear the thought of them sneaking under my covers while I sleep. I also set out some roach bait trap thingies.

 

I’m so pissed. And disgusted.

 

I will be calling the landlady early tomorrow (today, actually, even though it’s Sunday). I refuse to stay here for the summer if this infestation does not get taken care of.

 

Am I over reacting? What should I do?

 

 

I spent a lot of money (that I really don’t have) on cockroach killing paraphernalia. I’m on a tight budget as it is, and it just got tighter.

 

This sucks.

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