Topic : 10/09 Financial 911!

I am a teacher & we only get paid twice a month.  I budget well, but sometimes time gets away from us & you write a bill out a little late.  Last year I made 2 payments a day or 2 late to my Capital One credit card.  They jacked up my rate to the default rate or 25%.  I called them several times trying to get them to work with me on lowering my rate.  THEY REFUSED.  I then told them to close my account.  They said they would once the balance was paid.  I continued to pay monthly (I only had a $2,000 balance on a limit of $25,000.) but called them every couple months to ask again to lower my interest rate.  THEY REFUSED.  They said that my account was in "closing status" & they couldn't adjust my rate since it was in closing status.  I paid off my balance, told them to NEVER SEND ME ANY CORRESPONDANCE AGAIN and what do you know, the letter comes offering me a LOW interest rate to keep my credit card with them.  From the first time I called them to try & negotiate with them, I cut up the card, threw it out & never charged on that account again. 

My husband & I had the bad misfortune 2 summers ago of being the victims of debit card fraud & our bank account was drained of all our bill paying money.  But we managed to work through it, get the money back from the bank & pay all our bills.

A couple weeks ago, the HUGE car dealership my husband worked for filed Chapter 11 & they were told on Monday that things were fine & on Wednesday, you no longer have a job.  My husband got on the phone & made arrangements to start another job the following week.  He lost a week's worth of pay & has taken a pay cut.  But we are working through it & paying all our bills.

We feel for people having a rough time of it, as we are those people.  However, we have made sacrifices & try to always make good financial choices for the long run.  Once you have debit card fraud hit you & unreasonable credit card companies, you learn to live in a "cash" world rather than using cards.  Just like other Dr. Phil viewers, it does irritate us to think that those of us who continue to pay our bills despite the unfortunate circumstances we have encountered, don't get any help while others who MADE BAD CHOICES will get the free handouts.

Dr. Phil,

Financial expert Jim Cramer suggested on today's show that consumers call their credit card companies to explain their financial situtation & that they should be sympathetic. He said "They're human too."  Well that is just what my husband did just yesterday. He called Bank of America to request lower minimum payments on 2 of his credit cards. My husband is fully employed & his job is stable. I, however, am a teacher on Long Island & unfortunately more districts have been cutting their staff than hiring new teachers. I am substituting full-time but the pay is not what we're used to. My husband has had these credit cards for over 10 years & cannot remember EVER making a late payment. We are loyal, responsible customers & figured that in a time like this a big corporation like Bank of America would  appreciate our business enough to compromise. Boy were we wrong!!! Instead they decided to close both my husband's accounts just because he asked the question. I am furious & scared. once we have these cards paid off we will never do business with Bank of America again. I hope there are still banks out there who know how to value their loyal customers.

For years a man in Texas has been the voice of reason. He has been warning people about what we would be facing if things kept going the way they where.

I myself only heard of Dr.Paul last year. And when I did. I woke up. And waking up was at first shocking..then painful...and now I am beyond PISSED OFF.

Can you tell me this..what part of the government is over the IRS? This answer might surprise most of you..but the answer is...NONE OF THEM. The IRS is a PRIVATE BANK (Google who owns the IRS)

It is 100% UNCONSTITUTIONAL and people never got angry enough to do a damn thing about it.

Because of 9-11...Bush started taking away our freedoms...Dont believe me? Have you read any of his new laws? And of all the crimes Bin Ladin has been charged with..why was he NEVER charged with 9-11?

Back to saving our asses...Ok people...We have Obamanation who wants to give 10% off the top of your pay to the UN...Your kid plan on going to college? Hope they like his form of slavery..He wants all students to work 1000 hours each school year, for free. (Picking up trash is one of the jobs listed) Dig deep...Obama LIED and voted for the Bail Out.

McCain...just Google Vets Against McCain and see what Johnny Songbird McCain was really up to, and the fact he turns his back on vets. He needs a new tune..I mean..he sang Bomb bomb bomb..bomb bomb IRAN...ahhhh..why????

Long ago the League of Women Voters held the debates. Then all of a sudden..they didnt. Why? Easy..because Americans where slowly waking up and seeing we dont need Rep. or Dem. There was (and still is) a 3rd Party!!!

Ask yourself what programs have government taken over and made better?

Answer:: ZERO

How would you rate our education system?

Health Care?

Homeland Security?

It is 10 times harder for an American to get back into this country than it is for an illegal to get here and find work..housing..government help..YOUR TAXES PAY FOR IT.

I ask each of you to please..Try and forget what MSM (main stream media) has been spoon feeding you all your life. I ask you to open your mind. See what they are hiding..in plain site at that. Ask..where are they getting all this money? Then I want you to go to:

www.DailyPaul.com

www.PrisonPlanet.com

www.InfoWars.com

www.VoteBaldwin08.com

And I ask that you Google or Youtube these items

New World Order

Who Owns The IRS

Ron Paul High Tide

FEMA Concentration Camps

Bilderberg Group

Also I ask you to join the Revolution and show Congress and the Senate your fed up just like the rest of us

VOTE THEM OUT..I dont care if the one running against them is Rep. and your Dem. the ones in office need to get a message..From local to federal government..a message MUST BE SENT..and it must be LOUD AND CLEAR...You must call Congress and the Senate..and everyone else in your state that works for government and you must tell them..Your watching them.

Incase you have forgotten..you are WE THE PEOPLE...And YOU ARE GOVERNMENT..the ones in office are just the mouth peices that do OUR TALKING FOR US...and they have forgotten that...Time to remind them.

Stay Safe

Stay Free

Save the Constitution

VOTE THE BASTARSS OUT

SPREAD THE MESSAGE

I  lost my job when this all started going south. Spent all of my savings just trying to live and like most people - took a loan w/ a low teaser rate that will adjust in Nov 09.   I became depressed, un-motivated and my credit score went from 710 to the 4-500 range. I cannot pay back debt that is owed and I owe my family over 15K plus back credit card debt of over 30K. If it wasnt for my family paying the mortgage payments I would be in foreclosure.  Im not blaming the Lending Institution because I was the one that signed the papers. Like most Americans I beleived that the housing would continue to rise and financially I would be in a better position in 5 years when it came time to adjust.  I am a single mother that is stuggling to survive. Im 42 yrs old w/ no marketable skills, no formal education and no job prospects. Its scary. I never thought I would be in this position.  I wonder every month how Im going to pay the bills.