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everything is broken
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basher13 View Drop Down
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Joined: 07/August/2005
Location: Canada
Posts: 5 		Post Options Post Options   Quote basher13 Quote  Post ReplyReply Direct Link To This Post Topic: everything is broken
    Posted: 29/September/2005 at 7:07pm
There would be no pleasure in this world, if
people were not familiar with pain.

And pain would not exist, if people were
not familar with pleasure.

The pornography industry is one of the most
profitable in the world, as it hinges on
the promise of pleasure provided to people.

The exercise and sports industry, is also
profitable, as it provides the pain that people
understand to be psychologically and instinctively
necessary for survival of the species.

Pleasure and pain, in this way, are the ying
and yang of live. Greed and fear are also
the dictomy that makes progress possible.

When someone is feeling the pain, or fear, it
means that tremendous pleasure or greed was
felt earlier.

When the government gave you a $40,000 lump
sum of cash   (or loan) for you to spend,
that mountain of cash gave you a lot of pleasure...
and don't tell me it is not greedy to take $40,000
from a bank, and spend if on basket weaving in
university when everyone knows that there is no
job market for basket weaving (for example.)

People build their own prisons......in their own
minds.
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Johnny View Drop Down
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Joined: 05/November/2003
Location: Canada
Posts: 4199 		Post Options Post Options   Quote Johnny Quote  Post ReplyReply Direct Link To This Post Posted: 29/September/2005 at 6:33pm

It is not bankruptcy that has to change. It is the system that puts a stranglehold on the borrowing community. Bankruptcy is not the answer. If one feels that bankruptcy is their only salvation, then this is their decision.

There are ways to solve virtually anything that is problematic and stressful.

I cannot give advice or provide intervention services to someone unless they are a client, unfortunately.

Johnny  

 
The Canadian Financial Wellness Group (CFWG)

www.cfwgroup.ca
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old hippy View Drop Down
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Joined: 20/August/2005
Location: Canada
Posts: 177 		Post Options Post Options   Quote old hippy Quote  Post ReplyReply Direct Link To This Post Posted: 29/September/2005 at 5:22pm

Hi dujylyn,

Yeah, I'm here.  Sitting in a night class.  We're on break right now.  You can see what's important in life and that means a lot.  You brought a tear to my eye.  They've got to change that damn bankruptcy law for people like you (maybe me too).  In the meantime, perhaps there is a way to keep the collectors away and only make payments that will not cause undue hardship.  (Johnny?)

Peace and love dujylyn

Old Hippy
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Johnny View Drop Down
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Joined: 05/November/2003
Location: Canada
Posts: 4199 		Post Options Post Options   Quote Johnny Quote  Post ReplyReply Direct Link To This Post Posted: 28/September/2005 at 3:27pm

To quote if I may:

"After filing for bankruptcy 2 years ago, my 3 student loans went to collections. I admit to having periods of denial and avoidance but have been attempting to deal with the collection agents in a calm and honest manner and can hold it together during the phone calls but end up a basket case after we hang up."

This is common in people who are suffering from financial stress and worries. An acceleration of this reaction occurs when the calls from collectors come about. The overwhelming feelings of worry and fear take over. Basically, it is a phobic stimulus that is being tweaked by the whole ordeal.

 

Target and procure the fear and things will be a lot better for you. Of course, having the debt removed would do the trick as well but we must be practical about this.

 

“even when and if i finally get the permanent job, i won't earn enough to cover the 800 plus/month it would take to actually have a hope in hell of ever paying this thing off before i am too old to work.and, what nasty things will the collectors do to me then? so, overwhelmed? yeah. feeling stupid for being financially naive? yeah. bankruptcy seems the only viable option, credit is shot anyways but how to live, not just survive until 2013 with this albatross around my neck?”

 

The student loan presents no physical threat to you. It is a number that is imposed upon you to repay by the government of Canada. It cannot harm you physically. If you feel that it is doing so, come to me and I will quickly remedy that fear of yours.

 

What you are describing is a common occurrence in the lives of so many people. It is terrible that you are left feeling hopeless. If there is anything I can do, let me know.

 

Johnny  

www.cfwgroup.ca

www.cfwgroup.ca/forum

www.cfwgroup.ca/consumerforum

 

 
The Canadian Financial Wellness Group (CFWG)

www.cfwgroup.ca
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dujylyn View Drop Down
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Joined: 23/February/2005
Posts: 21 		Post Options Post Options   Quote dujylyn Quote  Post ReplyReply Direct Link To This Post Posted: 28/September/2005 at 11:48am
well...thought I had a handle on all this. all those psych classes, you would think I could fix myself. I know about positive self-talk, etc,etc. went canoing last weekend, a little bird sat on my friend's finger, it was awesome. I have children, grandchildren and good friends, they are awesome. I know these are the important things in life, not that i owe what may as well be a million dollars....so why do I wake up crying in the middle of every night?

After filing for bankruptcy 2 years ago, my 3 student loans went to collections. I admit to having periods of denial and avoidance but have been attempting to deal with the collection agents in a calm and honest manner and can hold it together during the phone calls but end up a basket case after we hang up. I am currently unemployed but on call for work. have been doing this on call and temp positions for 2 years. it seems the only way to work my way to the position I want within this organization. i struggle to make the small payments that don't even begin to make a dent in the interest, never mind the principle. even when and if i finally get the permanent job, i won't earn enough to cover the 800 plus/month it would take to actually have a hope in hell of ever paying this thing off before i am too old to work.and, what nasty things will the collectors do to me then? so, overwhelmed? yeah. feeling stupid for being financially naive? yeah. bankruptcy seems the only viable option, credit is shot anyways but how to live, not just survive until 2013 with this albatross around my neck?

anyways, thank you for listening to my self pity rant...i'm off to commune with nature and meditate on being proactive. and, old hippy, if you are out there, glad to hear there are still some of us left. peace.

if you cannot be a good example, you will just have to be a horrible warning
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