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Ronhrin
Banned
Posts: 6428
Location: Paradigms are changeable, reality is absolute.
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 Posted: Thu, 5th Jan 2006 14:16 Post subject: F*cked up Life |
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My life has crossed the "f*cked up" boundaries, I'm unemployed 6 months ago, my wife has been fired 3 weeks ago, we have returned to her parents house, and they are always pissing us off, we are sleeping with our daughter in the same bedroom that we do, we are full of debts, 2 companies have already put us into court of law to pay our debts, I'm fearing that if this continues we still go into jail and lose our daughter. we can't find any job, I honestly don't know what more can I do.
I've even tought about making somekind of Million Dollar Homepage (2), but it's just to lame and ridiculous, I believe I have reached the bottom.
I can't even think anymore, I'm completly desperate and still have to give strengh to my wife so she doens't collapse into depression again, I really don't know what can I do!
He who sacrifices freedom for security deserves neither
- Benjamin Franklin - 1759
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deelix
PDIP Member
Posts: 32062
Location: Norway
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TheSaint
Dalai Lama
Posts: 6586
Location: Cook Islands
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| Posted: Thu, 5th Jan 2006 15:08 Post subject: |
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damn this sucks, hope you will get your life together.
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| Posted: Thu, 5th Jan 2006 15:17 Post subject: |
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Are you expecting some kind of sympathy or something? Anyone can find a job within those six months that you have been unemployed, if they try hard enough. Sell that expensive computer of yours and go look for a job.
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Mutantius
VIP Member
Posts: 18594
Location: In Elektro looking for beans
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| Posted: Thu, 5th Jan 2006 15:17 Post subject: |
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Sorry to hear that ronhrin... Give them hell in that court and try to go out and find something new to do.
"Why don't you zip it, Zipfero?" - fraich3
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deelix
PDIP Member
Posts: 32062
Location: Norway
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| Posted: Thu, 5th Jan 2006 15:20 Post subject: |
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Ronhrin
Banned
Posts: 6428
Location: Paradigms are changeable, reality is absolute.
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| Posted: Thu, 5th Jan 2006 15:22 Post subject: |
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deelix: believe me, it is.
I've been silent about my life for a long time, but I just can't take it anymore, I need a solution to my problems, and all of my problems have to do directly or indirectly with money, I've made some mistakes in the past, I'm not saying I didn't because I did, but now I have no solution, I can't even request for a loan, no bank will loan me money, what I need is a way to win money, whatever it would be, lame or not, stupiud or not, my life is hanging on a tiny line, what I need is sugestions, and I honestly am unable to think at the moment.
He who sacrifices freedom for security deserves neither
- Benjamin Franklin - 1759
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deelix
PDIP Member
Posts: 32062
Location: Norway
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| Posted: Thu, 5th Jan 2006 15:25 Post subject: |
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| Ronhrin wrote: | deelix: believe me, it is.
I've been silent about my life for a long time, but I just can't take it anymore, I need a solution to my problems, and all of my problems have to do directly or indirectly with money, I've made some mistakes in the past, I'm not saying I didn't because I did, but now I have no solution, I can't even request for a loan, no bank will loan me money, what I need is a way to win money, whatever it would be, lame or not, stupiud or not, my life is hanging on a tiny line, what I need is sugestions, and I honestly am unable to think at the moment. |
I get so fucking agry when people say oh.. skandinavia sucks because we have so expensive prices.. well its how it is.. when we earn so much, it gets expensive. We earn 25% more than sweden. And we love money.. so then we go to cheap contries and buy lots of stuff thats much cheaper down there
And in you case.. you and your wife had got an job no problem here...
even people who fuck up reeeeal hard in life can get a good paid job.
Not like USA.. where they say.. you aint completing this etc. and you are gonna be a failure
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Invasor
Moderator
Posts: 7638
Location: On the road
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| Posted: Thu, 5th Jan 2006 15:31 Post subject: |
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| Ronhrin wrote: | | what I need is a way to win money, whatever it would be, lame or not, stupiud or not, my life is hanging on a tiny line, what I need is sugestions, and I honestly am unable to think at the moment. |
Why cant you just get a lame job? Any money is better than no money. Im sure you can find a job if you look for anything available.
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Ronhrin
Banned
Posts: 6428
Location: Paradigms are changeable, reality is absolute.
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| Posted: Thu, 5th Jan 2006 15:39 Post subject: |
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r4iney: I could sell my computer but wouldn't solve anything, at this point my computer is pretty much the only way that I see to win some money, and if I selled it, I will, lose my computer and wouldn't have enough money to pay 5% of all my debts, I've f*cked it really hard...I know...
Invasor: I've tried everything that I've remembered, stores, gas stations, even macdonalds, I've sign up in everyone of them, no one called me yet, I've tried really hard, but it's just impossible when our country is overflowed with ukranians, brasilians, afrikans, etc, all those guys have a job, portuguese people stay unemployed.
daelix: my daughter is almost 2 years old, I received money from the state when she was borned, but that was a long time ago, my situation got worser when I lost my job and later even worser when my wife was fired.
He who sacrifices freedom for security deserves neither
- Benjamin Franklin - 1759
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Ronhrin
Banned
Posts: 6428
Location: Paradigms are changeable, reality is absolute.
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| Posted: Thu, 5th Jan 2006 16:03 Post subject: |
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talula: when I was fine, I saw things exactly as you see them now, but when one is in such a complicated situation, nothing makes sense anymore, I can't sleep, I can't think, all I do is phone calls looking for a job, wandering around thinking of a way to win money by my own, and sitting down in my chair without hope of any kind.
and I can't wait anymore, if, until the end of this month I don't make somekind of payment to those 2 companies, they will manange to take the house of my father-in-law.
then I will lose that roof you spoked about...
He who sacrifices freedom for security deserves neither
- Benjamin Franklin - 1759
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| Posted: Thu, 5th Jan 2006 16:20 Post subject: |
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well you definately need togo and get some sort of financial advice.
As far as I'm aware, if it's non priority debt like credit cards and loans you can negotiate with the creditors to pay very little each month once you've proven your family income. I dunno though, this might vary from country to country.
Last edited by talula on Thu, 5th Jan 2006 16:37; edited 1 time in total
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Ronhrin
Banned
Posts: 6428
Location: Paradigms are changeable, reality is absolute.
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| Posted: Thu, 5th Jan 2006 16:37 Post subject: |
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yes I do, but before that I need money to pay off this debts.
it's mortgage, currently I'm with debt with 9 credit companies and 2 banks, 2 of those companies had already put me into court, but the others will soon make that move.
what I have in debt are the following amounts:
banks: €15.000 + €10.000
credit companies: 6 loans of €2.000 + 2 loans of €4.000 and 1 loan of €8.000
currently I'm in court because of the loan of €8.000 and one of the loans of €4.000
that's the oldest ones, but the other ones will soon move against me.
I'm aware I've f*cked it big time, but what I need is some way to solve this, I mean, I've learned my lesson, what will I do?, go into jail for 2 or 3 years, and then when I come out, work for the next 15 years just to pay debts?
He who sacrifices freedom for security deserves neither
- Benjamin Franklin - 1759
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nouseforaname
Über-VIP Member
Posts: 21306
Location: Toronto, Canada
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| Posted: Thu, 5th Jan 2006 16:46 Post subject: |
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If I were you, I would focus on speaking with a financial advisor in order to negotiate with your creditors to get your repayments as low as possible, rather than trying to think up money making schemes. The credit card companies will take you to court if they hear nothing from you, you need to negotiate with them. Generally they cant send you to prison. As far as I'm aware you cant go to prison for mortgage arrears either, but they can reposses your house as a way of payment.
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| Posted: Thu, 5th Jan 2006 16:50 Post subject: |
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I dont believe you can go to jail for mortgage and loan debts either.
They can sentence you to pay once you get a job again...then they will get the most of your paycheck but they will let you keep somethin to buy food and pay rent.
They can't reposses your house or anythin else because I reckon you don't have anything to reposses...
TYou gotta find a job though...
| Injurious wrote: | | And then Mabel tripped over a rock and landed in a well and was trapped there with Timmy. Sadly I shot Lassie so no one is saving that bitch! |
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Ronhrin
Banned
Posts: 6428
Location: Paradigms are changeable, reality is absolute.
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| Posted: Thu, 5th Jan 2006 16:51 Post subject: |
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bakruptcy doesn't exist in portugal.
labor companies exist, but it's the same problem that I've mentioned above, they employ everyone that comes from outside, and leave no vacancy for portuguese people, the only way to get a job in portugal is to get a good job, and good job's are getting extint..
it's very complicated the current situation in portugal
He who sacrifices freedom for security deserves neither
- Benjamin Franklin - 1759
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spankie
VIP Member
Posts: 2958
Location: Belgium
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| Posted: Thu, 5th Jan 2006 17:04 Post subject: |
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Thermaltake Shark Black w/ Eurotech 460 W
AMD Semprom 3000+ @ 2.68 Ghz
1.50 Gb Kingston DDR
MSI GeForce 6600 GT - 128 Mb DDR3
HDD - 120 Gb SATA + 250 Gb ATA
Pinnacle PCTV Pro
Creative Inspire 5.1
SMC Router 7904 BRA
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if this are your computer specs, don't expect anyone to feel sorry for you. If you live above your standards, there things happen.
and if you had a job in the past and your wife had a job. how can you need 30.000$ from credit companies then? what did you buy with that money?
im sorry to sound this hard, but it is the truth imo
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| Posted: Thu, 5th Jan 2006 17:12 Post subject: |
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http://www.indebtrelief.com/indice_pt.htmll
This is all I could come up with using babelfish to translate debt counsellor. However, there will be at least one organisation in your country that deals with debt councelling and help you get your payments down to something you can afford. Then it's just a case of finding a job and paying the debt off gradually.
EDIT: oops... not entirely sure if this is a website for portugal!
Last edited by talula on Thu, 5th Jan 2006 17:17; edited 1 time in total
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Ronhrin
Banned
Posts: 6428
Location: Paradigms are changeable, reality is absolute.
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| Posted: Thu, 5th Jan 2006 17:16 Post subject: |
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this computer cost me €3.000.
I'm aware of the mistakes I've made, my father-in-law keeps on repeating me the same story everyday, I know what I did, I was a stupid fool, but now I'm at the point where I've recognized my mistakes and trully want to solve them.
as for the rest of the money, we just spend it in clothes, things for the house, dinners, traveling and etc.
this moment I feel the most irresponsable person alive and I probably am.
He who sacrifices freedom for security deserves neither
- Benjamin Franklin - 1759
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nouseforaname
Über-VIP Member
Posts: 21306
Location: Toronto, Canada
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| Posted: Thu, 5th Jan 2006 17:21 Post subject: |
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I see ads up for credit councilling everywhere.
The fact is, with all these companies willing to throw money at you, it's easy to get in over your head.
You don't need to kick yourself too hard for a mistake that many, many people make. Like tatula said, find some help. Open up the phonebook and see if you can find something.
asus z170-A || core i5-6600K || geforce gtx 970 4gb || 16gb ddr4 ram || win10 || 1080p led samsung 27"
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Ronhrin
Banned
Posts: 6428
Location: Paradigms are changeable, reality is absolute.
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| Posted: Thu, 5th Jan 2006 17:34 Post subject: |
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but even so I crossed the line, I just couldn't stop, and due to my irresponasability I'm on the line of making my father-in-law loses is home, my daughter has needs that I cannot fullfill until get some money.
but you are right, I need some serious councelling
just want to wake up from this nightmare I'm living
He who sacrifices freedom for security deserves neither
- Benjamin Franklin - 1759
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deelix
PDIP Member
Posts: 32062
Location: Norway
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| Posted: Thu, 5th Jan 2006 19:20 Post subject: |
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| Ronhrin wrote: | r4iney: I could sell my computer but wouldn't solve anything, at this point my computer is pretty much the only way that I see to win some money, and if I selled it, I will, lose my computer and wouldn't have enough money to pay 5% of all my debts, I've f*cked it really hard...I know...
Invasor: I've tried everything that I've remembered, stores, gas stations, even macdonalds, I've sign up in everyone of them, no one called me yet, I've tried really hard, but it's just impossible when our country is overflowed with ukranians, brasilians, afrikans, etc, all those guys have a job, portuguese people stay unemployed.
daelix: my daughter is almost 2 years old, I received money from the state when she was borned, but that was a long time ago, my situation got worser when I lost my job and later even worser when my wife was fired. |
damnit, maybe its gonna be the same with norway  IMO we take to many people in to Norway...
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| Posted: Thu, 5th Jan 2006 19:34 Post subject: |
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as hard as it sounds but your father should kick you and your wife out of the house, your child should be adopted from a responsible family and everybody who deserves help would be helped....
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deelix
PDIP Member
Posts: 32062
Location: Norway
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| Posted: Thu, 5th Jan 2006 19:43 Post subject: |
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| MaroW wrote: | | as hard as it sounds but your father should kick you and your wife out of the house, your child should be adopted from a responsible family and everybody who deserves help would be helped.... |
Or try to earn money from a game with... "ok" ods...
like blackjack or something ^^
or go to a ritch country and earn alot, live cheap in the country and go back..
many do that here...
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Ronhrin
Banned
Posts: 6428
Location: Paradigms are changeable, reality is absolute.
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| Posted: Thu, 5th Jan 2006 19:44 Post subject: |
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it seems like some European govermenents want to make Europe as the U.S., but that will not work anytime soon, every European country is very different from each other.
it's not like we all speak the same languages and have the same way of life, because we don't.
European countrys have more differences between each other that the U.S. to the rest of the world.
and this thing of being "invaded" by africa and brasil and china is really destroying some european countrys.
I can only blame myself for the mistakes I've made about spending the money I've spent.
but about losing my job, and my wife losing hers, I can't only blame the goverment.
It's unacceptable that I'm suffering the way I am right now, and seeing some brasilian dudes coming to portugal to work for 5 or 10 years just to earn enough to buy a entire hotel in brasil.
He who sacrifices freedom for security deserves neither
- Benjamin Franklin - 1759
Last edited by Ronhrin on Thu, 5th Jan 2006 19:47; edited 1 time in total
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deelix
PDIP Member
Posts: 32062
Location: Norway
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| Posted: Thu, 5th Jan 2006 19:47 Post subject: |
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| Ronhrin wrote: | it seems like some European govermenents want to make Europe as the U.S., but that will not work anytime soon, every European country is very different from each other.
it's not like we all speak the same languages and have the same way of life, because we don't.
European countrys have more different between each other that the U.S. to the rest of the world.
and this thing of being "invaded" by africa and brasil and china is really destroying some european countrys.
I can only blame myself for the mistakes I've made about spending the money I've spent.
but about losing my job, and my wife losing hers, I can't only blame the goverment.
It's unacceptable that I'm suffering the way I am right now, and seeing some brasilian dudes coming to portugal to work for 5 or 10 years just to earn enough to buy a entire hotel in brasil. |
but try to get to one skandinavian country and earn some easy money.. guess its hard to come in.. i don't know so much about that.. But we got Portugal people workin' here...
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| Posted: Thu, 5th Jan 2006 20:44 Post subject: |
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Well you can always shoot you and your wife and kid......
Now thats just to shock ya and realize that you have a family in good health and have kind enough parents to take you in. Trust me I've been there...take it one day at a time. Things have a funny way of working out. If your religous pray about it.... god is always there. 
Good Luck
Last edited by cybersurfer on Thu, 5th Jan 2006 21:05; edited 1 time in total
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Swinefur
Banned
Posts: 612
Location: Sweden
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| Posted: Thu, 5th Jan 2006 21:02 Post subject: |
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so i still got them
