megamania
Hero
jrients said:I'm not evil. I'm lawful neutral and trying to enforce a contract!
But seriously, if you haven't tried talking to your creditor yet do so before they take your car or home. It may not help, but after they take it they will have the advantage in any negotiations. Also, a normal non-jerk type person with my job does everything in their power to not have to repo or foreclose. If you offer them a reason to give you more time they might take it.
If want more specific advice, email me at jrients AT gmail DOT com with questions.
Yup- I bet their clock by less than 4 hours. I had a sit down with the bank about this today. Everything is okay now but I still dislike the job (not the person unless they get off on it)