credit bureaus and other fun stuff

So. The loans that I THOUGHT were in forebearance?? Yeah. Notsomuch.

I was made aware of this little nugget’o’joy when I opened my mail today and was greeted by the following, in bold:

WE HEREBY DEMAND FULL PAYMENT OF YOUR LOANS.
THE LOANS WILL GO INTO DEFAULT ON 11/17/07.
TO AVOID SERIOUS LEGAL CONSEQUENCES, YOU MUST SEND PAYMENT TODAY.

How much do they want, you ask? Oh. ya know. Just $45,758.02

Let me just grab that out of my piggy bank.

FUCK.

So. WHY hadn’t I gotten any notices about this? Oh. Apparently all notices were sent to my email address. THE ONE I CANCELED 4 MONTHS AGO.

FUCKITYFUCKFUCK.

So I just spent 40 minutes on the phone with a nice lady who politely informed me that she’s sorry that I’ve been turned in to the national credit bureau, and would I like to make a payment of $486 now, and avoid further legal action for another 30 days?

SURE.

If I HAD 486 dollars.

UGH.

She worked it out so I paid 100 (actually 110, cuz there’s a 10 dollar service fee…) today and then have to pay the 486 by 11.19.07

Which. Ok. I thought to myself “I can do that. That’s essentially 2.5 weeks’ pay, but I can do it…” Til I realized that Growlie’s hours drop next week, to 25.

And my car registration needs renewed. And I need to get my car inspected. And I want need new and/or winter tires (according to the wally world oil changing people.)

There is NO SUCH THING as “caught up”. It’s fucking ridiculous.

Whatever. I don’t care. They can garnish my wages. I already don’t even see them. They can fucking throw me in jail. At least I wouldn’t have to worry about buying food or gas or anything else.