Why is my life so screwed up?
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I've never been that well off, my wife made about 1400 a month, I was medically unable to work, our rent was 800, and we barely had anything. She trusted my opinion and rarely thought for herself.
About a year ago I was put on lexapro, an antidepressant. And it worked, made me really happy, to the point of being delusional... I was browsing a site one day and saw a Mazda Miata for ,000 that had 16k miles and overall looked good on paper. I called the dealer, "I have pretty horrible credit and was wondering if I could get some info on this car"
She was happy to oblige and ended up talking me into (not hard when I was on lexapro) driving 120 miles to buy this car. My wife didn't argue, trusting my judgment. I made it to the dealership at 8:30am to find "oops, it looks like we sold that car a week prior, someone just messed up and didn't remove it from the site... but we do have other options for you."
So I looked for a car and finally settled on a Pontiac g6, it was equally impressive on paper (and in person). I signed all the papers with my wife, and we drove it home.
About a week later I get a call "uh... we couldn't find financing so we need you to go ahead and bring that g6 back.... But don't worry... we have another car, that we've already secured financing on for you"
So the next day I drove all the way back and they had a new 2009 ford focus for me. I signed a few more papers and was about to leave and he said "alright I'll send your financing and title information with this other sales associate, and he will follow you to your home."
"Why is that I asked."
"You’ll need to write him 2 checks for your down payment of 00." oh ok... had I not been on lexapro I would have told him where to stick that new car... but instead it all seemed to make sense and writing 2 checks was fine, despite not having a dollar in my account.
So I get home, write the checks, call my insurance, add the new car. I was happy the rest of the day. It wasn't till about 2 weeks later when my trial of lexapro ran out and I didn't have the money to go get more... that I started getting flooded with worry... this time legitimate.
I called the dealership and they said the checks bounced and that I could go ahead and pay them with my card... I said I’d call them back.
So my wife and I decided to save as much money as we could, not do any fun things, just save. We saved up 750 and I paid the first payment to the dealership. Then my credit-card, my cell-phone, and my Les Schwab accounts all went unpaid.
we were talking things over about how we could afford certain things when her mother calls to tell us that she'd be putting the house we're living with up for sale and that we have a week to get out...
Well luckily we had saved enough for a security deposit and first months rent. So over that week we got a new apartment for 1100 a month. So we were even tighter on money and had more bills.
Fast forward to a month and 2 weeks ago; the car has been repossessed and all of my debts are in collections (,000). My wife who has been in a downward spiral, snaps one night when my sister was over and attacks her, when I got in-between them to pry her off she began attacking me and threatening me, I called 9-1-1 and told them she was unstable and that she needed help. They came and took her to the hospital. When she came back she told me she was getting a divorce and asked if I would sign a co-petition to make things cheaper and smoother.
I agreed and now I'm living with my parents in a small miserable room. For 0 a month, the job market in my town is dead, my job pays me around 680 a month, and I get a month in food-stamps. I owe about ,500 in debts that collectors are constantly hounding me about. my car (1987 Mazda 626) is on its last leg (has caught fire internally a couple times, the computer is dead, every time you start it, it smells like fuel, and switching gears kills the engine, did I mention it's an automatic?... But I don't make enough for financing, and if I did, my credit is ruined.
I have ulcers going through my entire system, and need to have checkups, but I owe my doctor and can't afford to pay it, but can't be seen till I do.
I have barely enough to keep my prepaid cell phone on so that I can receive the frequent calls telling me not to come in to work in 2 hours at 2pm, instead come in for the graveyard (same day).
I just want a new start, a glimmer of hope, a car that gets from a to b, and to have my stomach problems fixed... but it seems I'm going to have hell for the rest of my life for 4 months of screw-ups.
Any Ideas guys? (I know this isn't a normal question)
-Geremy
P.S. Spare me the "It'll get better, have hope, etc." I'm tired of people saying that... it's basically like saying "I have no idea, but I feel bad if I don't say something, however meaningless it may be."
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\\ tags: Ahead, antidepressant, Buy Car, checks, ford, ford focus, judgment, lexapro, mazda, mazda miata, new car, Oops, Options, pontiac, pontiac g6, Rent
