Letters to the Editor
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I hear ya.
I trawl around a lot of internet forums, and Salon.com has some of the nastiest commenters around. So I'm sure you'll be flamed eight ways to Saturday for this column. I can see all the smug posters now who have never had a credit card and blah blah blah.
But I just have to say, BTDT. I totally know what you mean about the pile of bills that you mean to get to, but you just never do. For months. And robbing Peter to pay Paul. And no longer being embarrased by your card not going through.
At my worst, I was $12k in the hole. No, it wasn't nearly enough to get me on Maury and no I wasn't buying fancy electronics or sports cars. It's just that it all adds up, and you don't even notice it adding up, and then it just spirals out of control when you don't want to deal with it.
I spent a year paying it off, and though my credit score is still not great, it's getting there. Good luck!