Brandon
Bankruptcy, Paying the Bills
2 Comments

DriveTime Headache

Yesterday, I made a payment on my car -in full- just to avoid any hassle this month with my car. I am still 31 days overdue on my partial payment from December, and I am quite perturbed at that DriveTime fiasco because I was given conflicting information in the first place. Anyway, I just haven’t […]

Brandon
Bankruptcy, Credit Cards and Debt Relief, Paying the Bills, Why Donate?
1 Comment

Bankruptcy As An Option

If done carefully and planned well, bankruptcy isn’t the end-all-be-all that people make it out to be. In fact, coming out of a bankruptcy can be a huge boost to getting back on top. I’ve been planning this out for more than a year. I am still not 100% decided on whether or not I […]

Brandon
Auto Insurance, Day-to-Day, Paying the Bills
No Comments

Update on Insurance Claim and DriveTime

Ohh, Me So Hungry! It’s 3:30pm and I’m just now catching up enough to take a lunch break for 30 minutes or so. That’s not unusual but today, for some reason, I’m really hungry! Anyway, I spoke with my insurance claim adjuster about my uninsured motorist claim and she is working to pull my medical […]

Brandon
Paying the Bills
2 Comments

DriveTime is NOT Cooperating

With the recent rash of harassing phone calls and general lack of organization on the part of the used car dealership where I bought my vehicle, I had a feeling things might not go as I had planned. And, sometimes that’s the case. The important thing is to roll with the punches and adapt accordingly. […]

Brandon
Paying the Bills
No Comments

More on Harassing Phone Calls

In regards to my car dealership and making partial payments, it seems that despite my conversation with someone in accounting and multiple conversations with the manager, their system is designed to pester me daily until I make full payments. What I have learned through this experience is that the automated systems for bill collections are […]

Brandon
Paying the Bills
No Comments

Harassing Phone Calls and Privacy Issues

I didn’t think to write about this in my last post about “Making Late Payments“, but my car dealership has so thoughtfully reminded me. Many times, bill collectors and big-time dealers have a crummy setup for harassing people once they are in the system for being overdue. Case in point: I worked out a deal […]

Brandon
Paying the Bills
1 Comment

Making Late Payments

You know, I’ve noticed that almost every time you speak with someone who cuts you a little slack on something, it back-fires. At least that seems to be the truth when it comes to making late payments or payment arrangements. Today, I’m talking about “Stretching out your car payments” and how I spoke with someone […]

Brandon
Paying the Bills
1 Comment

Stretching Out Your Car Payments

This may or may not be an option -depending upon who your car loan is through. However, in my case, the lender is willing to work with me -in spite of my current credit situation. First, I’ll tell you the deal and then I’ll tell you why it’s not as bad as it sounds. They […]

Brandon
Day-to-Day, Paying the Bills
No Comments

Got a Small Reprieve

This morning, I got $400 from someone who has owed me money for several months, and that really helps since my car payment is due tomorrow and I couldn’t pay it otherwise. 🙂 If I can talk my car dealership to give me a two month extension, then I can put that $400 to better […]

Brandon
Paying the Bills
No Comments

Temporary Relief – Auto Loan

Since I’m in the trenches right now -so to speak- and am fighting to stretch my dollars and make a living against all odds, I thought it would be nice to share my experiences with you here. Because of the bind the two crooked cops have put me in, my 810 credit score has been […]