This short website tells the story of... "How I Was Able to Get Back On My Feet, (Trust Me. If I Can Get Out of Credit Card Hell You Can Too...) Dear friend, Re-establishing your credit isn't easy - especially when you've been through what I've been through... It's been a few years now but it still feels like it was yesterday. My marriage of almost 10 years had been "on the rocks" for a number of months, when one day my husband told me he was in love with someone else and would be moving out that night. I was crushed. Not only was my marriage over, but his reason for leaving was obvious. After years and years of trying, I was unable to give him the child he so desperately wanted. We tried everything, including expensive infertility treatments but nothing worked. It wasn't long after we decided to give up that he began looking for other places to "sew his seeds". He found what he was looking for in a younger woman at his office, and just like that I was kicked to curb. But it got even worse... My ex-husband may have been a selfish, immoral SOB, but he was also cunning and smart. Somehow he managed to arrange our finances so that all the debt from the fertility treatments were in MY NAME. So not only was my marriage over, but I was also given over $50,000 in debt as a parting gift. Nice guy, huh? (Now I thank God I never had children with him.) I got a little money in the divorce, but not much. And certainly not enough to cover the $50,000 in medical bills...especially on a teacher's salary. I tried my best to keep my head above water, but making the payments on my medical bills forced me to use credit cards to buy stuff like groceries and gasoline...the basic necessities. And that's when the debt My $50,000 in medical bills quickly balloned to over $80,000 in total debt (including credit cards). The minimum payments alone were almost double my monthly salary, and it wasn't long before I went through all of my savings and started to fall behind. All along I never considered bankruptcy as an option, but it immediately became obvious that bankruptcy was my ONLY OPTION. So within 60 days of my divorce becoming final, I was once again back in court. Only this time it was bankruptcy court. I was a mental and financial wreck... ...but I determined right then and there that I wouldn't let these circumstances get the better of me. I'm a survivor, and I know there are people who have been through much worse, so if they could pull through then so could I (and so can you). First, I knew I needed to re-establish my credit...immediately I searched online for days until I finally found a bank that would issue me a credit card. The reason it took so long is because it couldn't be just any card. You see, there are a lot of scams out there, especially with pre-paid/secured credit cards. While many of them are legitimate, most do not report to the credit bureaus so they'll do absolutely nothing to help you re-establish your credit. So that's why it's vital when you're trying to re-establish your credit that you choose a card that reports to at least one, and preferably all three credit bureaus.
Don't worry, I won't spam you with rediculous offers or sell your name to other people. I do remember what it's like to be in your shoes, however, so as I come across solutions I'll be sure to keep you posted. Best of luck, P.S. I plan to write a book detailing exactly how I got back on my feet after my horrible ordeal, and if you're interested in hearing about it when it's finished you'll also want to join the list above...
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