Hello oxygen

It's so nice to be able to breathe. I take it for granted. I shouldn't do that. Maybe if I were more appreciative of the fact that I can breathe, I wouldn't get sick as often as I do. It's worth a shot.

Yesterday was... a day. I spent the better part of an hour on the phone with the credit card company that sent my account to a collections agency and then proceeded to take my money anyway. That's not allowed, it goes against the contract they have with the collections people. But try getting them to admit they made a mistake. Yeah, right.

Anyway, because they took money from me. I lowered my next payment to them. I know that I am only really hurting myself here, but it is the principle of the matter. I have set up payments with an agency through December. I don't like that. It's not that I can't pay the bills, I can. But it makes me uncomfortable to have the rest of the year planned out like that. God forbid the bad economy catches up to me and I lose my retail job. I'm good at what I do, sure. But am I good enough to be the one they keep?

But a ray of hope there still may be in this.

James, the very nice man at the collections department, said he would try to help me out. A co-worker of his used to work for the card company in question and suggested a possible fix. It would require several hundred dollars from me in June, July and August; but I would be done after that. No more bills. No more calls. No more serious debt. I would only have some minor stuff that I could actually get rid of relatively easily. Of course, there would still be the student loan debt, but that stuff doesn't look nearly as bad on your credit.

I know that the card company might say "no" to the new payment agreement. I know that I might have to keep my payments scheduled until heaven knows when, but I have hope that James will help me. It's nice to know that there is someone who may have some influence on my side.

So, last night I slept soundly, breathing deeply, through my nose. I am starting to feel a hell of a lot better.