... to let everyone know that I'm still living, but that I won't be around.
I had been hoping to be able to report good news about things that have been stressing me a lot over the last couple of months (and that have gone from bad to worse over the past month)... but I have no good news to report at all.
Because of Matthew losing his job and not being able to find work at all for five months, we got so far behind in all the bills that we are drowning in debt. We asked at banks and loan companies about a consolidation loan to pay everything off so we could start over with only the mortgage and a loan payment as two large payments per month to go along with regular monthly bills that would have been started over with a ZERO amount owing... but we were turned down by everyone because our credit rating isn't high enough. What made this even more stressful than it would have been anyway, is that one of the loan companies we applied to at first said that we were approved but we were missing a couple of papers before it could be finalized... when we got them the papers, they came up with a couple of other things they still needed before we could sign the papers to close the deal... after all of that they turned us down because I am on Ontario Works ("welfare") and not Disability yet, even though they knew from the first day that I was on Ontario Works.
Then the same company started making noises about trying something different that we could probably get instead of what we had hoped for. Another two weeks of "things are looking good and you will likely be approved, but the boss is away this week and he either approves the loans or turns them down" to "there are a couple of things we need to get before papers can be signed" to "sorry, it's been turned down because the credit rating isn't high enough".
We tried the very last place we could try on Tuesday, and the woman (assistant manager of the company) sounded like she thought we wouldn't have a problem... but once again, we were turned down. Even though I am no cheerleader for the relationship, Matthew's girlfriend (yes, they are back together) was even willing to sign on as a guarantor so that her credit rating could bring ours up high enough to get the loan, but that didn't work either. Now she has even looked into taking out three smaller loans (from three different places) herself, and WE would be the ones to pay them back... from what I understand she has been approved by all three... but hasn't signed anything yet until we make a decision on it. However, aside from the obvious (for those who know about the situation with what happened with her flipping out when she and Matthew broke up for a short while), I don't like how that would work... there would be three loan payments (in her name) for us to make each month, AND Matthew's loan payment from last year, AND the mortgage payment... that is FIVE large payments each month as well as gas for the van for Matthew to get back and forth to work, and regular monthly bills, and the grocery supplies in our cupboards won't last forever either.
I have received three phonecalls (Hydro, Gas, and Telephone) who have given us a deadline (all within two weeks) to pay them or they will be shut off. I am terrified, stressed and sick with worry that this will happen, and that it will get to the point where we will lose the house and everything in it as well to bankruptcy because we simply cannot afford to pay the bills. Yes, Matthew has steady work again... but we are so far behind that catching up is impossible without the loans we were hoping for... and three extra loans (in her name) to make payments on each month along with the mortgage payment and Matthew's loan would only put us back in this same situation again within a three months.
Due to all the stress and worry, I have been a basket case with anxiety attacks and in tears everyday... and this is NOT me, I am normally a cheerful happy and smiling person. I honestly haven't felt much like coming on the newsgroup at all lately, and don't know when I will feel up to it again... if I even *can*, unless I go to the library, if we have things shut off.
I know you all care and are sending out good thoughts and prayers for us, and I really do appreciate it! I am just so sad and worried that I cannot even think straight lately, so I will likely not be around much at all anymore. Cher, Nora, and Norma all hear from me... so I would imagine that you will get news about me from one or all of them from time to time. Thank you all again for your friendship and love!
*sad hugs goodbye to all* Gemini