Friday, January 27, 2012

HOLY FUCKING SMOKES!

WOW, I cant believe it.  I had the best fucking day EVER yesterday.  Seriously, with all the shit luck we've been having lately, this is well received. 

First story.  So I have been talking to the boss lady about this whole insurance, ER visit.  Then all the weirdness with the Dr's office last Tuesday.  So finally the insurance company got back to us and re submitted everything and it's all suppose to be taken care of under the $300.00 ER co pay.  That's it.  That's all I owe.  Oh my lord, that was great news! 

BUT, it got better!

I went home for lunch yesterday and saw the mail truck pull up early.  OK that's weird mail gets delivered at 4-5.  But whatever.  And I forgot to pick it up from the day before so I went and got it.  In it was a thing from BofA.  I figured it was the 1099 on the foreclosure I've been waiting for so I can do my taxes.  I open it and it was a 1099, but not for the house.  It's for a loan we took out 7 years ago to pay off our credit cards.  We put that loan with all our re racked up credit cards into a debt settlement program 3 1/2 years ago and have been paying stuff off ever since.  It was a 5 year program, at $500.00 a month.  I am currently owing on that loan and 1 additional card for $2400.00.   The loan is for 25 grand so it was going to be a while on that one.  The 1099 stated that the debt was cancelled.  I thought huh, weird cause I didn't usually get these things until they settled with the company.  I called the company and they said they haven't settled you need to call the bank and find out if it was written off.  So I did just that.  Answer to my question, YES, it was written off, and they are taxing me on it.  OK,  does this mean what I think it means?  So I called the debt people again and told them what they said and asked to speak to the attorney handling my account to see if this was written off by the bank, do I still need to settle with them?  I am thinking HELL NO!  But I needed confirmation.  The attorney confirmed my answer was NO, I no longer needed to settle with them.  HOLY SHIT.  That means I only have that one outstanding card left, and I have $1500.00 in my escrow account which should be more then enough for them to settle the last card with, which means I'm fucking done with it!!!!  HOLY FUCKING SHIT I"M JUST EXCITED TALKING ABOUT IT!!!!!  No more payments.  I cut it down by a year and a half.  I'm that much closer minus the quad loan that gets paid off in September.  And that's it.  I can live a normal freaking life for once not in debt up to my eyeballs.  We have been chipping away at this for so long and there is finally a light at the end of the tunnel, I can see it.  And I'm so thankfully thrilled!  This is like winning the lottery to me!

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