Over the last several years, I have learned a tough lesson.
That lesson being this -
Credit cards and schizophrenia do not mix.
I had racked up $35,000 in debt in just a little over a year when I was unmedicated. Then, I got medicated, and I spent the next three years paying it off the best I could. Then, I had a steady PT job that helped, and eventually I had more than half of that debt paid off.
I got laid off from that PT job, along with everybody else in my department, a little over two years ago.
In that time, with interest after these debts went to collection agencies since I no longer was able to make the payments they were asking from me, my debt became more than it ever was.
So, I decided I am going to go for bankruptcy, for that and for the hospitalization bills that I also am finding myself unable to pay (and am now getting calls on a daily basis from collection agencies involving).
But, every paralegal agency I talk to involving this tells me the same thing - I need to pay for legal services, credit counseling, court fees. The total - I need to come up with $1,000 in order to prove I am officially broke.
Shit, man. In a way, I can't be too upset - I DID get myself into this mess, after all, and karma can be a bitch.