I finally got a reasonable payment plan set up with Discover card recently, their collection agency leaves quite a bit to be desired. I mean, here I was willing to make payments and would have started over a month ago, and I had fools trying to get me to agree to outrageous down payments for a smaller monthly payment that was still out of my reach, or humongous large payments knowing full well I could never make them and would default ASAP. Then I was instructed to send in information that would qualify me for their “limited means” program so I would be allowed smaller payments. They conveniently never received the stuff no matter how many times it was faxed successfully from home, work, and Kinkos. This was all thanks to two different people handling my account. Meanwhile they kept telling me that I didn’t have to file a response to court after they had me served. Good thing I didn’t listen, because if I hadn’t, they would have had the right to garnish wages or other unpleasent things right off the bat.

Then one day, when both the a-holes were out I got to speak with one person who was like “this is ridiculous, we could have gotten this settled long ago” and got me set up on a payment plan that I can make.

I’m almost debt free!

Still though, even if I can make the payments, until I get the other credit card paid off (4 more payments to go there!) things will be tight. I’d really like to move up to a full time position at work, but the only FT spots that have opened up are at the T or C branch. Not to mention their for positions I sincerely doubt I’d get. Even looking in the classifieds for a FT spot, or at least another PT job that I swing with my hours has yielded little results. Lots of spots for things like construction workers, CDL drivers, live-in nurses, or Dental Jobs – things that require training or degrees that I don’t have. Bah! I guess I could always apply at Sitel….but after working at DialAmerica and putting up with their shit, I’m not really inclined to give a telemarketing job another shot.