Day One: The Bad Day
Today I spent the day crying and feeling sorry for myself about all the crappy things that are happening. I even called my mom and cried on her shoulder for awhile, which I haven’t done for a long time. (Man that felt good).
My computer was acting up all day. The internet wouldn’t work right: the programs were slow or just not doing what they were supposed to do. Every time I went on Skype, it would close down and knock me off, so I couldn’t even talk to my friends. I had a tourney to do at 3 pm and I really didn’t think I was going to be able to do it. I really didn’t want to do it anyway because I wasn’t feeling very sociable by this time.
So I contacted my trainee and told him to go in and do the tourney with the other TD. Then I left the site, shut down my computer, went upstairs, crawled under the covers, and slept all day. When I got up, I didn’t really feel any better, so I whined at Jack when he called and started a fight with him. I was just a total bitch. Of course, poor Jack had no idea what was going on so he worried about me all night and didn’t get much sleep. I don’t know why he puts up with me.
A little later, I turned on my computer and praise be…it worked just fine. I went on the crib site and my friend, Julie, was there, so we skyped and I was starting to feel better. (She always makes me feel better).
So Julie said, “There is a doubles crash tourney at 10:30. Do you want to play?” I debated, but then agreed, and we won. That was good. I like to win.
Good end to a bad day……..ok on to day two.
Day Two: The Good Day
Jack has been out of work for a while and the bills were really starting to pile up. Every day I get phone calls from one credit company or another: very disheartening and frustrating.
I am a pretty up-beat person, but things like this get to even me once in a while and I just want the damn phone to stop ringing. So I bought an internet phone device that gives me phone service but no one has the number unless I give it to them. Problem solved. Not! I turned off the ringer on the regular phone and the calls went to messages. Then I would check them later, if at all. (They never leave messages anyway).
Well, I thought that was the answer, but then the internet phone started acting up. People could call but it would hang up right away. And most times they couldn’t hear me, so I deduced that the problem was my internet. So I took the internet phone off the line and put the regular phone back on.
That resulted in the credit people calling again. So here is the dilemma: do I answer the phone and talk to them and tell them, “Sorry, I don’t have the money to pay you yet”, or do I let it ring and ring and ring?
Well, I didn’t feel like listening to it ring away all day, and I knew I didn’t have the money to pay them or even make them a promise to pay. As I had told them many times before, certain things had to come first: the mortgage, the truck, and the utilities. We have to live. And yes, we owe these people and yes, we will pay them off. But give us some time to get back on our feet.
So I was in a fighting, feisty mood and thought, “OK you guys, bring it on.” You have to know that I have been dealing with creditors for years. They don’t scare me and they don’t intimidate me. If anything, it’s the other way around.
So I decided to let them call and I would answer. First call: 8:45 am. I answer the phone and they ask for me. I say this is me. And they say, “Can you verify your address and postal code for privacy reasons?” So I do. They tell me they are such and such company and that I owe them this much and, “Will you be making a credit card payment for this amount today?” I kind of chuckle and say, “No.” And they say, “Well, when can you pay (this amount)? And I say, “Well, how about next year or after I win the lottery?” They didn’t think that was very funny. So then I ask them the amount and told them they are on the list. I tell them we are going to talk to a trustee in bankruptcy and after we do they would be contacted. Then I thanked them and hung up.
An hour or so later, another one called; same things said by both of us. Meanwhile, I am writing down the companies’ names, the amounts we owe, and the phone numbers they called from, because the same companies call from different numbers so they can get you one way or the other.
So the rest of the day was pretty quiet and then about 4 pm I got another call. This is where the fun started for me.
“Hello. Is this (my name)?” I said, “Yes.” And they say, “This is (their company name).” I say, “OK.” They say, “Can you verify your name, address, and postal code?” I say, “No”. And they say, “Why not?” And I say, “I don’t want to. What is this about?” And they say, “For privacy reasons we cannot discuss this matter until I verify who you are.” So I ask them if they can prove who they are. I said, “You could be someone trying to hack my computer or just finding out if I live alone. Then come to my house and steal from me and kill me.”
Then I ask again what this is about. And he says, “How long have you lived where you are right now?” I gave him a break and said, “About 7 years.” And he said, “And before that?” I told him. Then he asked me if I ever live at Algonquin and I said, “No, where is that? Isn’t that a park in northern Ontario?” He said, “No, Algonquin Avenue.” Again I said, “No. Where is that?” He said, “In Innisfil. Have you ever lived there?” I said, “No.” He said, “Do you know anyone that lives there?” Again I said, “No.”
So he said, “Excuse me. I need to talk to my supervisor. Hold please.”
A few minutes later he came back on the line and said, “I am sorry. We may have the wrong person. Someone will get back to you about this matter.” I said to him, “That’s why I didn’t want to give you my information. Have a nice day.” And hung up.
It felt so good to get the upper hand for once and make them feel like fools.
My son came home shortly after that and took me out to dinner. I told him the whole story and we had a good laugh about it.
Then I talked to Jack later. I told him what I had been up to all day and put his mind at ease also.
I think he slept better last night. I know I did. Job well done. Nothing makes me feel better than a good fight that I win.
End of Day Two………Good Day.