Debt help as well as credit repair can help you focus on a much clearer picture of your financial future.

Discussing Questions And Answers About Debt Help Network


David asks…

Is this a good answer to the Mormon question that was probably removed by Mormons?

No, intelligence has nothing to do with one’s subjectivity to being brainwashed. If you understood Mormons’ situations better you would see why they go along with the belief system even to the point of self hypnosis to try to convince selves to hang in there and try to make the best of it.
Mormons are conditioned into Mormonism as of birth. They are kept in a fairly controlled environment where they know no other way to survive. As they get old enough to pass certain tests in life, they are posed with certain counteracting subtle threats by their church.
Teens are not able to leave home. They know they will lose family acceptance and friends if they leave Mormonism. Young adults capable of moving and making new friends know they will lose support from parents to go to college and would be presented with a new and frightening world to adapt to (all alone) that they know nothing about. Young parents need as much help as they can get for child support, money and stability and do not stray so as to keep from being thrown into chaos while they have kids. Older parents have accumulated a lot of debt and have professional connections and networking entrenched with other Mormons to the extent that leaving their church would be like trying to transplant a vital organ. Due to debt and such problems, they risk losing inheritances from the next older generation if they leave before their parents die. But by the time they themselves are at their oldest, they are so conditioned to the LDS church that they cannot leave the comfort zone of this zombie life even if they wanted to-it is like addiction at that point of long term conditioning.

So you see, the cycle repeats itself and in each phase of development of an individual’s capability of freely leaving, the LDS structure has a carefully plotted counteraction ready to head off the would-be apostate.

Stan answers:

Yes and absolutely these type of cycles exist. Deep rooted in to the religion and other religions as well. I myself found myself at the age of college. When leaving the church and finding new friends was about the easiest step I could find. But behold when I told my parents I no longer believed. They kept helping me with college and at the same time kept trying to pull me back into the church. When I became an apostate towards them they tried to see if stopping the support they gave me would entice me to come back to the church. But they warned me they might have to stop supporting and I prepared myself for it. I finished college on my own. Though finishing college doesn’t make you completely independent I found myself after college with out a job in the clutches of the IT boom collapse and the recession we were in when Bush Jr. Took office. I felt enticed to move back home to Utah and try it getting a job. Thankfully, after enough determination and job hunting I scored an entry level job at IBM in Boulder Colorado.. Thank god I loved College there and loved Colorado attitude much more than salt lake city. I was about 2 weeks away from moving back to salt lake city and seeking support and even toying with the idea of going back to church. Knowing I had to show my commitment to the church to have a better edge when looking for Jobs in Salt Lake City. It isn’t definitive but a good Mormon background helps with the job search there. But I didn’t. Now I’ve been with the girl of my dreams for 7 years. Somehow in the disgruntlement of religion and LDS family. I decided I didn’t want children. And keep in mind knowing that I didn’t have the support of my family in having a child out of wedlock and having a liv’in girlfriend out of wedlock I wasn’t scoring any points with my parents. By common law we are married these days. But only for the financial benefits. We both see the institute of marriage to be very counter productive in a relationship. We are together now and probably will be forever.. No kids. Too smart for heaven’s sake. My wife and I are DINKs… Duel Income No Kids.. And loving life. … I’ve worked hard at my career and my relationships. And I’m more blessed than any of my family or friends are back home that are in the trenches of that religion. I don’t consider it blessed. But I do consider it my hard work and fortitude which can in part be attributed to the LDS religion as they are very hard working individuals for the most part. And any inheritance that would have been coming to me.. I don’t need it.. I learned to live on my own and learned that Knowledge beats Faith and religion to the bloody pulp.

Susan asks…

cash back deal on mobiles?

I took a cash back contract out on my mobile and interestingly the retailer went into administration now i am stuck with a contract that i cant afford the only reason i took it out was because it was a cash back deal i have started receiving letters form the debt collection agency and i have rang the mobile network providers and they keep saying i have signed a contact so therefor i have to pay i have explained the situation to them but they keep saying i have to pay and i think it is extremely unfair. They should be chasing the retailer rather than the innocent people who fall into this cash back con what can i do i am really stressed out over this please please help.
Many thanks

Stan answers:

Visit the c.a.b , but you will be stuck with it and unfortunately as you have signed a contract you will be hounded. You could ask for a settlement fee which will work out more expensive. Just like the rest of us , its a lesson on not to take out contracts. If you were declared bankrupt you would get out of it depending on your income.

Charles asks…

financial aid question?

I’m really in some hot water here, or so I think. I filled out my Fafsa saying I’d be attending school full time. Unfortunately I had one online class that I was dropped from because I never recieved the network key or start date in the mail… I made the mistake of assuming the class started later. I was dropped from the class, making me a part-time student and as far as I understand I was not able to use my fafsa money to pay tuition. My parents literally have no money to spare so I have been trying to pay off my Fall 06 semester with tiny checks and a minimum wage job. I need this debt payed off, and soon. I was wondering if it would be best to re-apply for the fafsa as a part time student, or if I should just modify my existing Fafsa. (can you do that?) ANY and all help is welcome. I’ve got only a slight clue at what I’m doing, my parents are intimidated by this stuff and choose not to try and help, and my school is not too keen on answering my e-mails

Stan answers:

As an insider, I have to tell you that it doesn’t matter what you put on your FAFSA in terms of attendence. It’s up to your school to determine whether or not you are full or part time and award aid appropriately.

In this specific case, you need to talk to your school’s aid office to discuss your options. Changing your FAFSA won’t do a thing.

Mandy asks…

Super Bowl Commercial?

When i was watching the super bowl, there was an ad that ran about america’s debt. It seemed very poorly created and didn’t seem like a $2.5 million dollar commercial at all. It ran in the 3rd quarter and actually ran twice….it ran, then a different ran (dont remember it because we were still trying to dissect the original weird one), and then it ran again followed by a local affiliate weatherguy id. I was under the impression that local affiliates couldn’t stick commercials into the network‘s programming. can someone help me out?

Stan answers:

Hmmmm not sure. Most of the commercials weren’t good this year anyways. Doritios were pretty good though. Dog collar was my favorite.

Linda asks…

Maryland law issue need help?

Long question but want to give as much info as I can-so back in Jan. cut my finger. Had to go to ortho surgeon out of network on my ins. Signed waiver that I’d give them any checks I got form insurance. Gave 2 totaling $2500. In May they sent me a nasty statement billing for the remainder so I called and told them the truth–I hadn’t gotten another check. They told me on the phone they were sorry, I shouldn’t have been billed and they’d write off the remaineder.

2 days later a check for 5 grand showed up. I held it in my bank for 3 weeks, presumably waiting for any further bill from the surgeon’s office. Since I didn’t get one I put the money toward bills.

Yesterday I received notice that I missed 2 certified letters from District Court. They’re suing me for breach of contract.

I can pay the debt, about 100 bucks a month. Beyond calling the surgeon’s office to work it out do I have any other recourse?
Just to be 100% accurate, I only used that money under the belief that a verbal agreement was in place to write off the remainder of the balance. I thought themoney was reimbursement from insurance of what I would’ve paid out of pocket, like AFLAC.
I am going to call and try to rectify this situation. I feel terrible about it but it’s a mistake and we are all HUMAN with FEELINGS so I appreciate you people NOT putting me on trial. I didn’t say I should get away with it. I can handle going to court.

Stan answers:

You are stuck. It doesn’t matter that there was a verbal agreement at all. The verbal agreement won’t hold up because it doesn’t stand up to the Statute of Frauds. I suggest you pay up.

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