A Rose By Any Other Name…

I’m in a fairly decent mood. I’ve finally gotten all my debts on track. They won’t be paid off for what feels like ages, but they’re not sending me nasty letters anymore! Because of the car accident I was in during my first year of university I was unable to attend the following year, or work right away. I applied for “interest relief” and was told I would have to reapply in six months if still unable to begin payments. About three months later I recieved notive that I was overdue on payments. WTF??? So I applied again, again was told everything was fine and would have to reapply in six months if still unable to pay, and then two or three months later recieved notice of missed payments.

I was so pissed. But I’ve let it go now. When I was working they wouldn’t accept payments because of whatever reason so I ended up with some pretty shitty situations. And now I’m not working… grr. But today I finally got it almost all cleared up. They’re accepting low monthly payments until I’m back to work ($50 to federal, $25 to provincial) and I just need to fill out some financial report for the provincial one. Seriously, since I’m <i>not working</i> I can’t see them saying I can make payments any higher.

When I get back to work I’ll up both those payment as much as I can in hopes of getting them paid off quickly. I should be able to pay off the provincial debt in about a year to two years depending on when I get back to work. The federal one will take a bit longer (monthly interest right now is just over $40 so I’m not paying much on the debt) but it’ll get there.

I just wish I could go back to work. I have about six weeks left of EI… after that I don’t know what I’ll do. I wanna be back to work by the end of November but that looks really unlikely.