I really don’t have anything to sell…

LOL we don’t keep much extra around here…and what I do have to sell, really wouldn’t bring in enough to do much good….

Not sure where the hours in the day would come. I work probably 9am – 6-7pm now, and have the horses, and a few other things.

I think I’m going to take one bill a month and pay it current, then keep it current, and work my way through it all….not sure any other way….

I agree about the cease and desist letter

I would hold off on sending that because once they receive your validation letter, they can’t contact you until after they validate the debt, so they will temporarily be off you back with just the validation letter. Rather than a cease and desist (which means they can’t contact you at all) you can write them and request they only contact you in writing – no phone calls.

I’m glad you found a lawyer who will talk to you free of charge. Be sure to mention you believe they are violating the Fair Debt Collection Practices Act. Discrimination probably isn’t illegal in the debt collection world, but telling you they will take your vehicle as payment for your debt is.

Keep us posted!

I’m not sure if I’m doing this in the right order or not, but here goes:

I have 2 months worth of the water bill pre-paid and since I use balance billing for the electric (and hardly ever use the central heat), I’m ahead there a smidge, almost a month ahead with the gas bill. I need to get in a good supply of Kerosene though, since I think this winter will be a chilly one.

I was telling Jan that I’m damned if I know how it happened, but the water bill dropped dramatically when the ex left. Maybe he was selling it in gallon jugs on the side of the road?! And I’m talking to the tune of $50 a month! So within 3 months I was $200 ahead of the bill, so much so that the water company called and told me not to make a payment the next month. Talk about a shocker (pleasant!).

My understanding is that we are striving to ultimately get to 3 – 6 months ahead on bills or better?