another bad day

The levels of my incompetence and failure are astounding.  I just defaulted on my student loan. I didn't qualify for an economic hardship deferment because I was only working part-time.  You have to be full-time.  They could have told me this last month when I tried to file but they said I didn't send proof of income that time.  Or, when I tried to file for deferment when I was unemployed, they just denied it.  They didn't bother to tell me that I needed a special form. Chase Bank works with the Devil.  Their policies are purposefully evil and designed to screw their own customers.

Ultimately, the fault is mine. I didn't do the right paperwork on time.  I am incapable of running my own stupid life. Every year my life gets materially worse.  Speaking of the devil, Capital One Bank is suing me for 7k on a 3k credit card balance, that 3k is all fees and interest charges, 39%. I don't know what the other thousands are for.  Their lawyers are getting nasty.  They wrote a letter to the Judge stating that I "was misleading at best" in my Motion to Vacate their premature Summary Default.   The case defaulted 34 days after the date of service.  I'm supposed to have 35 days. Hence, it was illegal.  END OF STORY, I WIN.  That was a fun day at the courthouse when they wouldn't let me file.  I think I had a psychotic break, I started cussing and screaming at the woman in the filing office.  That's the day I ran off my xbf for good.

Had a mood crash today, after I got the news about my loan. All I wanted to do was drive to Brooklyn to see him.  I wanted to feel ok for a little while.  My friends are all out of town so there was no where else to go.  I needed to feel safe for a minute.  But there's no point in both of us hurting.

It could be worse. It could be worse. It could be worse. My car is running. I haven't broken any bones, I don't need surgery.  I'm not up all night because of the crushing pain in my arm. I'm able to feed myself.  No one has seized the rent money in my bank account. I'm not in a dysfunctional relationship with an inappropriate man. This isn't like last summer.

I've started writing a novel, which is very boring because everyone in New York is writing a novel.  Among just the people I know, I would need two hands to count the number who are writing a novel.  But, this is urgent.  I need this.  For one thing, to give me something to obsess over other than myself.  I feel boxed in, like all my options have been cut off and I have no where to go.  Like it's now or never.  I'm going to finish by the end of the summer if it kills me.  At this point, not writing may kill me first.  

1 comment:

Notes From The Glass Ceiling said...


I would if I could. However, my life resembles yours right now in so many ways. You deserve to be paid by your work. Heck, you deserve your own magazine. Over the past few years I have felt very validated by you. Thank you, JL.

I'll tell you what. If my luck changes for the better before yours does, I WILL send you something. Until then, I send you my best wishes and the promise that I will pray for you regularly.

Keep writing,